EX-99.1 5 efc19-643_ex991s4a.htm SCHEDULE 4(A) - COMPLIANCE REVIEW
Unique ID Purpose Occupancy Note Date State Original Loan Amount Loan Status Exception Date Exception Category Exception Subcategory Exception Type Exception Status Status Change Date Exception Grade Loan Exception ID Exception Exception Detail Exception Information Compensating Factors Seller Comments Buyer Comments Reviewer Comments Exception Remediation
25785336 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 07/23/2015 Compliance Federal Compliance Compliance Open   2 59326 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
25785336 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 07/23/2015 Compliance Federal Compliance Compliance Open   2 59327 RESPA Affiliated Business Arangement Disclosure Compliant RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.            
25785336 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 07/23/2015 Compliance Federal Compliance Compliance Open   2 59328 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25785336 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 07/23/2015 Compliance Federal Compliance Compliance Open   2 59329 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file presumed to be the Final TIL is dated the same as the funding date and is unsigned.          
25768963 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 07/23/2015 Loan Package Documentation Closing / Title Compliance Open   2 59832 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25768963 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 07/23/2015 Compliance Federal Compliance Compliance Open   2 59842 RESPA Affiliated Business Arangement Disclosure Compliant RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.            
25151967 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Final Reporting 02/18/2016 Loan Package Documentation Application / Processing Credit Open   2 464319 Missing Document: Missing Final 1003             Provide missing documentation
25151967 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Final Reporting 02/18/2016 Loan Package Documentation Application / Processing Credit Open   3 464321 Missing Document: Flood Certificate not provided             Provide missing documentation
25151967 Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Final Reporting 02/18/2016 Compliance Federal Compliance Compliance Open   2 464389 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
25007439 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Loan Review Complete 04/11/2017 Compliance Federal Compliance Compliance Open   2 2795985 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25007439 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Loan Review Complete 04/11/2017 Compliance Federal Compliance Compliance Open   2 2799378 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 7/XX/2007.           Provide missing documentation
25007439 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Loan Review Complete 04/12/2017 Compliance Federal Compliance Compliance Open   2 2806668 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $521,945.68 is underdisclosed from calculated Finance Charge of $522,640.69 in the amount of $695.01. Unable to determine under disclosure due to missing itemization of amount financed.Under disclosure is fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25273480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 MD $XXX Loan Review Complete 08/10/2017 Compliance Federal Compliance Compliance Open   2 3989754 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25273480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 MD $XXX Loan Review Complete 08/10/2017 Compliance Federal Compliance Compliance Open   2 3989755 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25635919         $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922084 (Missing Doc) Incomplete loan images/file   Loan is subject to DF/TRID and does not contain income/credit/valuation/etc. documentation.         Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 11/08/2017 1 13910956 Missing Document: Missing Final 1003           (2019-08-15): Received Final 1003 Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 10/30/2017 1 13910958 Missing Document: Flood Certificate not provided           (2019-08-15): Received flood cert. Exception cleared. Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Loan File Credit Cleared 10/30/2017 1 13910960 Missing Document: Hazard Insurance Policy not provided           (2019-08-15): Received policy. Exception cleared. Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 11/08/2017 1 13910962 Missing Document: Mortgage Loan Payoff Statement not provided           (2019-08-15): Received Payoff Statement Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 11/10/2017 1 13910964 Missing Document: Note - Senior Lien not provided           (2019-08-15): Received Note - Senior Lien exception has been cleared. Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Cleared 11/08/2017 1 13910966 Missing Document: Note - Subject Lien not provided           (2019-08-15): Received Note for subject Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Cleared 11/08/2017 1 13910969 Missing Document: Security Instrument not provided           (2019-08-15): Received Security Instrument Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Cleared 10/30/2017 1 13910973 Title: Evidence of title is missing   Title Policy for Subject Loan is missing from the file       (2019-08-15): Received Final Title and Title commitment. Exception cleared. Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/08/2017 1 13910976 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2017 used as disbursement date for compliance testing.         (2019-08-15): Received Closing Disclosures Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/08/2017 1 13910978 Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.         (2019-08-15): Received Designation exception has been cleared.  
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/08/2017 1 13910979 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Closing Disclosures in the Loan File TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed.         (2019-08-15): Received Closing Disclosures No Defined Cure
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 10/30/2017 1 13910982 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019-08-15): Received ROR. Exception cleared. Provide missing documentation
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 11/10/2017 1 13910985 The verbal verification of employment was obtained more than 10 days prior to the note date.   Unable to determine if VVOE within 10 days of Note, Note missing.       (2019-08-15): Received VVOE exception has been cleared.  
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/08/2017 2 13910986 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.         (2019-08-15): Received Designation exception has been cured. Lender to provide updated ATR/QM status
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910987 TRID Esign Consent Agreement Status ESIGN Act Loan file does not contain evidence of borrower's consent to receive electronic disclosures. New Exception Generated after receiving documents         No Defined Cure
25581972 Refinance Rate/Term Primary 7/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910990 TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/07/XX/2017) New Exception Generated after receiving documents         Letter of Explanation & Corrected Closing Disclosure
25375754 Refinance Cash-out - Other Primary 6/XX/2016 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/08/2017 1 13910929 Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.         (2019-08-15): Received Designation exception has been cleared.  
25375754 Refinance Cash-out - Other Primary 6/XX/2016 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Cleared 10/26/2017 1 13910933 Security Instrument is not signed by borrower(s).   Missing signature page.       (2019-08-15): Received signature page. Exception cleared.  
25375754 Refinance Cash-out - Other Primary 6/XX/2016 PA $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13910936 AUS Findings: All conditions were not met   Missing verbal VOE dated within ten days of closing as required by AUS.       (2019-08-15): WVOE dated 5/9/16 provided, however it is not within 10 days of closing 6/23/16. Exception remains.  
25375754 Refinance Cash-out - Other Primary 6/XX/2016 PA $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Open   3 13910940 Income Docs Missing: Borrower: XXX VVOE - Employment Only VVOE - Employment Only VVOE not located in file.         Provide missing documentation
25375754 Refinance Cash-out - Other Primary 6/XX/2016 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 10/16/2017 1 13910942 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7562) No cure provided on final CD. A valid change of circumstance was not located in file. COC in file did not detail CPL fee         Final CD evidences Cure
25375754 Refinance Cash-out - Other Primary 6/XX/2016 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/08/2017 2 13910943 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.         (2019-08-15): Received Designation exception has been cured. Lender to provide updated ATR/QM status
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Cleared 02/06/2019 1 13910916 Missing Document: Missing Lender's Initial 1003   Missing signed and dated initial 1003.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 02/06/2019 1 13910917 Missing Document: Flood Certificate not provided   Flood Cert not provided.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Loan File Credit Cleared 02/06/2019 1 13910918 Missing Document: Hazard Insurance Policy not provided   Hazard Insurance not provided.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 02/06/2019 1 13910919 Missing Document: Tax Certificate not provided   Not provided.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 02/06/2019 1 13910920 Missing Document: Missing Final 1003   The Final 1003 in file included only page 1; no other pages were provided in the file.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Cleared 02/06/2019 1 13910922 Missing Document: Credit Report not provided   Missing from file.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 02/06/2019 1 13910925 Missing Document: Approval not provided   Not provided.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Cleared 02/06/2019 1 13910927 Taxes: Subject property taxes not documented   Property Tax data not provided.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Cleared 02/06/2019 1 13910930 Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance.   Insurance premium not documented in the file.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Cleared 02/06/2019 1 13910932 Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance.   Hazard Insurance was not provided.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Appraisal Reconciliation Value Discrepancy Property Cleared 02/06/2019 1 13910934 Loan is to go in a securitization and reflects only one valuation product when two are required.   No valuations were provided in the file.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Cleared 02/06/2019 1 13910937 Unable to determine the # of units, compliance results were generated using a defaulted value. Valuation Type: Stated / Valuation Report Date: 08/XX/2018 Appraisal not provided, unable to confirm from data in the file.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 02/06/2019 1 13910939 Employment Error: Employment job title not provided. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: Employment data not provided.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 02/06/2019 1 13910941 Employment Error: Employment years in field not provided. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: Employment data not provided.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 02/06/2019 1 13910944 Employment Error: Employment start date not provided. Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: Employment data not provided.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 02/06/2019 1 13910945 Income Docs Missing: Borrower: XXX VVOE - Employment Only, W-2 (2016) 1040 (2016), 1040 (2017), 4506 or 4506-T (2016), 4506 or 4506-T (2017), Transcripts (2016), Transcripts (2017) Borrower 1 Employment documentation not provided. (1040's, w2's, VVOE, paystubs, 4506, possible self employment income as physician). Borrower 2, Employment information not provided.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Cleared 02/06/2019 1 13910946 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.   Hazard Insurance was not provided.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 02/06/2019 1 13910947 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: WILDFIRES Disaster Declaration Date: 06/XX/2002 Disaster End Date: 08/XX/2002 Post Disaster Inspection not provided.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910948 Appendix Q Liabilities - Revolving Unable to determine compliance with Appendix Q liabilities requirements due to missing information. File does not include a credit report.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910949 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/2112593) Employment verification and income documentation was not provided in the file.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910950 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. Disclosure was not provided in the file.       (2019-08-15): Right to receive a copy of the appraisal disclosure was not provided in the loan file. Good faith redisclosure
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910951 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Rate lock data was not provided in the file.       (2019-08-15): Rate lock was not provided in the loan file. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910952 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. Flood Zone certification was not provided in the file.       (2019-08-15): Received credit file. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910953 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. Unable to determine property type.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910954 TILA NMLSR - Originator Company Not Licensed at time of Application Unable to test LO company NMLS license due to missing information. Missing application date required to test compliance.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910955 Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Unable to test Loan Originator license due to missing information. Missing application date required to test compliance.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910957 TILA NMLSR - Individual Originator License Status Not Approved Unable to test Individual Loan Originator license status due to missing information. Missing application date required to test compliance.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910959 TILA NMLSR - Originator Company License Status Not Approved Unable to test LO company status due to missing information. Missing application date required to test compliance.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910961 Ability To Repay Not Exempt - NULL Check for Unknown Designation Test Unable to determine whether loan is exempt from ability to repay testing due to missing information. Missing all income, employment and asset documentation, appraisal not provided.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910963 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Missing investor guidelines, unable to complete ATR testing.       (2019-08-15): Received credit file. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910965 General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. Missing Credit Report, unable to verify liabilities.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910967 General Ability To Repay Provision Debt Ability-to-Repay (Dodd-Frank 2014): Creditor did not include alimony and/or child support in debt obligations. Missing Declarations section of 1003, unable to confirm alimony or child support status.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910970 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 12.48170% DTI, 45.45455%/45.45455% LTV/CLTV, Credit Score, Occupancy: Second Home, Purpose: Refinance, Limited Cash-out GSE Missing investor guidelines, unable to complete ATR testing.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910972 General Ability To Repay Provision Mortgage-Related Obligations Ability to Repay (Dodd-Frank 2014): Mortgage-related obligations not considered in loan qualification. Unable to determine total mortgage related obligations from documents in the file.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910975 NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Unable to determine ability to repay from documents in the file.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13910977 Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. Unable to determine ability to repay from documents in the file.       (2019-08-15): Updated from: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Fail. (2019-08-15): Lender's loan designation was not located in the file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910980 TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure. Disclosure was not provided in the file.       (2019-08-15): Evidence of the Servicing disclosure to borrower was not provided. Good faith redisclosure
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910983 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Disclosure was not provided in the file.       (2019-08-15): Homeownership counseling disclosure and list was not provided in the loan file. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 02/06/2019 1 13910989 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. Disclosure was not provided in the file.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 02/06/2019 1 13910991 Colorado MLO Licensing Act - NMLS ID not on 1003 Colorado Mortgage Loan Originator Licensing Act: Loan originator NMLS identifier is not clearly displayed on loan application. Only received page 1 of the final application, unable to confirm compliance with NMLS requirement.       (2019-08-15): Received credit file.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910992 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Closing Disclosures in the Loan File TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. A Completed Closing Disclosure was not provided in the file (p.1 provided)       (2019-08-15): Received credit file. No Defined Cure
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910993 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $2,253.00 may be required. Loan Estimates were not provided in the file.       (2019-08-15): Updated from: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $0.00 may be required. (2019-08-15): No LE's were provided in the loan file. No Defined Cure
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13910994 AUS Findings: All conditions were not met   DU required in section 14, the child support be added into the debt and the DU should be resubmitted for underwriting. Updated DU was not provided.          
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Cleared 02/06/2019 1 13910995 Final Title Policy is missing. No evidence of title in file.           (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Cleared 02/06/2019 1 13910996 Incomplete Document: Closing Disclosure is incomplete   Only page 1 of the Closing Disclosure dated 8/1/18 was provided.       (2019-08-15): Received credit file and required documentation.  
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910997 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2018 used as disbursement date for compliance testing. Missing complete signed CD; per the incomplete CD, the disbursement date was 8/7/18.       (2019-08-15): Received credit file. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13910998 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2018 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2018. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. Unable to determine application date from documentation in file.       (2019-08-15): Received credit file. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 02/06/2019 1 13910999 Missing Valuation: Valuation Type: Appraisal / Valuation Report Date: Appraisal is missing An appraisal was not provided in the file; values obtained from documents in file.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Cleared 02/06/2019 1 13911000 Missing Document: Appraisal not provided   Appraisal not provided, value obtained from file documents.       (2019-08-15): Received credit file and required documentation. Provide missing documentation
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911001 TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/XX/2018 did not disclose number of months for homeowner's insurance under Prepaids. (Final/08/XX/2018) Number of months collected for the homeowner's insurance in section F was not completed.         Letter of Explanation & Corrected Closing Disclosure
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Asset Asset Documentation Credit Open   3 13911002 Guideline Issue: Insufficient asset documentation. Financial Institution: XXX / End Date: 05/XX/2018 // Account Type: Checking / Account Number: XXX Per DU, 2 consecutive months verification is required. File only contained 1 month statement for Primeway.          
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 13911003 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 19.89628% exceeds AUS total debt ratio of 11.37000%. Debt ratio discrepancy is due to the child support. Payment is not reflected on the DU in other debts.          
25071186 Refinance Limited Cash-out GSE Second Home 8/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Asset Asset Documentation Credit Open   3 13911004 Aged document: Asset Account date is more than 90 days prior to the note. Financial Institution: XXX / End Date: 03/XX/2018 // Account Type: Individual Retirement Account (IRA) / Account Number: x002 Asset Account Date: 03/XX/2018 The Retirement statements from XXX for both borrower's exceed 120 days from Note date which is outside FNMA guides. Please provide a more recent statement for both accounts.          
25726650 Refinance Cash-out - Debt Consolidation Primary 6/XX/2016 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911014 TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2016 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/06/XX/2016) Final Closing Disclosure disclosed Prepaid Interest of $42.29 per day from 06/XX/2016 to 06/XX/2016 for a total of $84.58 however, this should have reflected interest to 07/XX/2016. CD's provided post-closing on 07/XX/2016 and 09/XX/2016 still disclosed the incorrect through date; violation cannot be cured.         Letter of Explanation & Corrected Closing Disclosure
25726650 Refinance Cash-out - Debt Consolidation Primary 6/XX/2016 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911015 TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2016 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/06/XX/2016) Final Closing Disclosure disclosed Closing Costs Financed of $6,054.85; calculated Closing Costs Financed are $5,593.85. Difference of is due to fees paid before closing of $461.00 were not subtracted from the closing costs financed. CD's provided post-closing on 07/XX/2016 and 09/XX/2016 still disclosed the incorrect closing costs financed; violation cannot be cured.         Letter of Explanation & Corrected Closing Disclosure
25726650 Refinance Cash-out - Debt Consolidation Primary 6/XX/2016 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 06/29/2018 1 13911016 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $525.00 exceeds tolerance of $450.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal Fee was disclosed as $450.00 on LE dated 05/XX/2016, but disclosed as $525.00 on the Final Closing Disclosure. Sufficient cure of $75.00 was provided to the borrower on the Final Closing Disclosure.         Final CD evidences Cure
25733907 Refinance Rate/Term Primary 3/XX/2015 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910971 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note. Final GFE reflects a loan amount of $162,000.00; Note verifies the loan amount is $160,700.00.          
25733907 Refinance Rate/Term Primary 3/XX/2015 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910974 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Final GFE reflects a payment of $823.15; HUD verifies the payment is $816.55.          
25733907 Refinance Rate/Term Primary 3/XX/2015 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910981 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. Initial GFE dated 01/XX/2015 Important Dates Section, Other Settlement Charges Good Through Date is 01/XX/2015, which is less than the 10 business days required.          
25733907 Refinance Rate/Term Primary 3/XX/2015 MN $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13910984 Missing Document: Mortgage Insurance Certificate (MIC) not provided   File is missing the Mortgage Insurance Certificate to verify lender obtained coverage of at least 25% as required by LP Condition #4F.         Provide missing documentation
25733907 Refinance Rate/Term Primary 3/XX/2015 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910988 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. Notice of Right to Cancel on Form H-8 was used for lender to lender refinance; Form H-9 should have been used.         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25236556 Refinance Cash-out - Other Primary 4/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910921 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. Initial GFE dated 03/XX/2015 Important Dates Section, Other Settlement Charges Good Through Date is 03/XX/2015, which is less than the 10 business days required.          
25236556 Refinance Cash-out - Other Primary 4/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910923 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note. Final GFE dated 03/XX/2015 reflects an interest rate of 3.625%; Note verifies the interest rate is 4.125%.          
25236556 Refinance Cash-out - Other Primary 4/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910924 RESPA (2010) - Loan Term on Final GFE Inaccurate RESPA (2010): Loan Term on Final GFE does not match Note. Final GFE dated 03/XX/2015 reflects a loan term of 15 years; Note verifies the loan term is 20 years.          
25236556 Refinance Cash-out - Other Primary 4/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910926 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Final GFE dated 03/XX/2015 reflects a payment of $1,773.76; Note verifies the payment is $1,506.97.          
25236556 Refinance Cash-out - Other Primary 4/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910928 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. The APR on the Initial TIL (3.702%) is greater than .125 less than the APR on the Final TIL (4.186%). The Final TIL is dated at closing (within 6 days), which is not allowed per Reg Z guidelines due to the spread of the APR's.          
25236556 Refinance Cash-out - Other Primary 4/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13910938 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.) Notice of Right to Cancel on Form H-8 was used for lender to lender cash-out refinance; Form H-9 should have been used.         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13911181 Missing Document: Mortgage Insurance Certificate (MIC) not provided   File is missing the Mortgage Insurance Certificate to verify lender obtained coverage of at least 18% with an MI loan-level price adjustment, or mortgage insurance coverage of 35% as required by DU Condition #12.         Provide missing documentation
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911184 TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $2,899.32 on Final Closing Disclosure provided on 11/XX/2015 not accurate. (Final/11/XX/2015) Final Closing Disclosure disclosed Escrowed Property Costs over Year 1 of $2,899.32. Escrowed property costs are $255.72 per month, which equates to calculated Escrowed Property Costs over Year 1 of $3,068.64. Post-close CD dated 02/XX/2016 still disclosed the incorrect Escrowed Property Costs over Year 1 of $2,899.32; violation cannot be cured.         Letter of Explanation & Corrected Closing Disclosure
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911188 TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2015 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/475419) Final Closing Disclosure disclosed an Escrow Payment for Payment Stream 1 of $241.61; calculated Escrow Payment is $255.72. Difference is due to Hazard Insurance Policy reflects an annual premium of $568.00 or $47.33 per month however, Final Closing Disclosure disclosed the annual premium as $398.67 or $33.22 per month. Post-close CD dated 02/XX/2016 still disclosed the incorrect annual insurance premium and monthly escrow payment on page 2; violation cannot be cured.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911192 TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2015 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/475419) Final Closing Disclosure disclosed an Estimated Total Monthly Payment for Payment Stream 1 of $1,003.54; calculated Estimated Total Monthly Payment is $1,017.65. Difference is due to Hazard Insurance Policy reflects an annual premium of $568.00 or $47.33 per month however, Final Closing Disclosure disclosed the annual premium as $398.67 or $33.22 per month. Post-close CD dated 02/XX/2016 still disclosed the incorrect annual insurance premium and monthly escrow payment on page 2; violation cannot be cured.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911196 TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 11/XX/2015 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/11/XX/2015) Prepaid Interest was disclosed as $16.38 per day from 11/XX/2015 to 11/XX/2015 for a total of $98.28 however, this should have reflected interest to 12/XX/2015. Post-close CD dated 02/XX/2016 still disclosed the incorrect prepaid interest through date of 11/XX/2015; violation cannot be cured.         Letter of Explanation & Corrected Closing Disclosure
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 07/14/2018 2 13911201 TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 11/XX/2015 disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. (Final/11/XX/2015) Final Closing Disclosure Calculating Cash to Close section disclosed a Seller Credit of $1,154.00 however, the Summaries of Transactions section reflects the seller credit as $629.00. Post-close CD dated 02/XX/2016 disclosed 2 seller credits on Lines 205 and 206 that total $1,154.00 and file contains the required Letter of Explanation.       (2019-08-15): Final Closing Disclosure Calculating Cash to Close section disclosed a Seller Credit of $1,154.00 however, the Summaries of Transactions section reflects the seller credit as $629.00. Post-close CD dated 02/17/2016 disclosed 2 seller credits on Lines 205 and 206 that total $1,154.00 and file contains the required Letter of Explanation. Letter of Explanation & Corrected Closing Disclosure
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911205 TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2015 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/475466) Final Closing Disclosure disclosed an Escrow Payment for Payment Stream 2 of $241.61; calculated Escrow Payment is $255.72. Difference is due to Hazard Insurance Policy reflects an annual premium of $568.00 or $47.33 per month however, Final Closing Disclosure disclosed the annual premium as $398.67 or $33.22 per month. Post-close CD dated 02/XX/2016 still disclosed the incorrect annual insurance premium and monthly escrow payment on page 2; violation cannot be cured.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911213 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7724) Title - Closing Protection Letter Fee was not disclosed on the LE dated 10/XX/2015, but disclosed as $25.00 on the Final Closing Disclosure and fee was not paid to the same title provider. Evidence of cure was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911216 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $385.50 exceeds tolerance of $116.00 plus 10% or $127.60. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance of $385.50 exceeds tolerance of $116.00 plus 10% or $127.60. Evidence of cure for the increase of $269.50 was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25644714 Purchase Primary 11/XX/2015 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911217 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2015 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2015) Cure for various 0% and 10% tolerance violations totaling $294.50 was not provided.         Letter of Explanation & Corrected Closing Disclosure
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911019 Missing Document: General Services Administration (GSA) not provided             Provide missing documentation
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911021 Missing Document: Limited Denials of Participation (LDP) not provided             Provide missing documentation
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911025 Missing secondary valuation product required for securitization.             Provide missing documentation
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13911026 FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required. Borrower's MRI is 3.44156% Based on the Final CD, borrower did not contribute the full 3.5% FHA required down payment amount          
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13911029 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.             Provide missing documentation
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Data Integrity Property Open   3 13911032 Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: 08/XX/2016 The appraiser has been licensed since 5/XX/1999. The current effective date of his license was dated 5/XX/2017. I am not sure why clarity is not recognizing appraiser to be licensed at the time of the appraisal.          
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911038 FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents)           Provide missing documentation
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911041 FHA - Amendatory Clause is not compliant. Disclosure: FHA - Amendatory Clause (Government Documents)            
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911043 Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is HUD Safe Harbor QM.            
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13911046 Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).            
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911053 TRID Final Closing Disclosure Summaries Of Transactions - Deposit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 08/XX/2016 did not disclose the Deposit. (Final/08/XX/2016)           Letter of Explanation & Corrected Closing Disclosure
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911058 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2016)           Letter of Explanation & Corrected Closing Disclosure
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911061 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $187.26 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) Apparently, the interest rate was lowered from 4.25% to 3.875% from the initial CD to the Final CD, but there is no COC or Rate Lock Changed in file to document this change. In all probability the lower rate required $187.26 Discount Points, but there is no evidence in file         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911062 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75203) There was no Survey Fee disclosed on the LE or the Initial CD. This $165 Survey Fees showed up on the final HUD         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911063 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Foundation Inspection. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7712) The Foundation Inspection fee was not disclosed on the LE or Initial CD         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911064 GSA exclusions not checked for loan originator.              
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911066 TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-340.00. (9300)           Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25370951 Purchase Primary 8/XX/2016 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911067 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents) Doesn't contain required signatures.          
25504821 Purchase Primary 6/XX/2015 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13911005 (Doc Error) TIL Error: Borrower signature not dated.   Page 2 of the TIL is missing          
25504821 Purchase Primary 6/XX/2015 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13911006 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25504821 Purchase Primary 6/XX/2015 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13911007 (Doc Error) TIL Error: TIL did not reflect the required verbiage              
25504821 Purchase Primary 6/XX/2015 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911008 Lead Based Paint Attachment - Attached to Purchase Contract is missing. Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) House built 1956 - missing FHA - Lead Based Paint         Provide missing documentation
25504821 Purchase Primary 6/XX/2015 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911009 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. FACTADisclosureProvidedDate(2015-XX-19) >= NoteDate(2015-XX-19)          
25504821 Purchase Primary 6/XX/2015 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13911010 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. Missing          
25504821 Purchase Primary 6/XX/2015 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911012 2011 TIL-MDIA - No guarantee to Refinance Statement Missing Truth in Lending Act (MDIA 2011): Final TIL does not contain required No guarantee to Refinance statement. Missing pages         Provide missing documentation
25504821 Purchase Primary 6/XX/2015 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911013 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/06/XX/2015) Appraisal was provided on 6/2/15, and the appraisal signature date is 6/12/15.          
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13911017 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Asset Asset Documentation Credit Open   3 13911020 Guideline Issue: Insufficient asset documentation. Financial Institution: XXX / End Date: 05/XX/2018 // Account Type: Checking / Account Number: XXX Financial Institution: XXX / End Date: 05/XX/2018 // Account Type: Savings / Account Number: XXX Financial Institution: XXX / End Date: 04/XX/2018 // Account Type: Checking / Account Number: XXX Months verified from 4/XX/18 through 5/XX/2018; Two-Month period is required          
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911022 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/06/XX/2018) ValuationReceivedDate(2018-06-11) < ValuationReportDate(2018-06-15)          
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911023 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower. Missing         Provide missing documentation
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911027 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Missing         Provide missing documentation
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911030 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/06/XX/2018) Financial Charge is $137,872.58         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911033 TRID Final Closing Disclosure Mortgage Insurance Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 did not disclose the mortgage insurance payment for payment stream 2. (ProjSeq:2/737653) MI monthly $110.18 for 120 months         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911035 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018) Calculating Cash to Close section (pg 3): "Exceeds legal limit by" is less than the amount of the required cure (0%-10% violations).         Letter of Explanation & Corrected Closing Disclosure
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911037 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. missing         No Defined Cure
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911042 TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Missing         No Defined Cure
25187230 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911045 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,887.49 exceeds tolerance of $1,194.00 plus 10% or $1,313.40. Insufficient or no cure was provided to the borrower. (0) No cure provided to the Borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911068 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,020.85 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) This was a seller fee.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Open   3 13911069 The Hazard Insurance Policy effective date is after the Transaction Date.   Hazard policy effective date is 6/XX/2018, Note date is 6/XX and disbursement date is 6/XX/2018          
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 1003 Document Error Credit Open   3 13911072 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. Borrower: XXX In order to support continuance a history must be documented which was not done. Borrower is on DACA status which expired in less than 12 months and no history of renewal to support any type of continuance.          
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911073 FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)            
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911074 FHA - Informed Choice Disclosure was not provided within three days of the application date. Disclosure: FHA - Informed Choice Disclosure (Government Documents)            
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Open   3 13911075 The Flood Insurance Policy effective date is after the Note Date. Flood Insurance Policy Effective Date 06/XX/2018, Note Date 06/XX/2018            
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911076 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. According to post closing CD and accompanying lender letter to borrower, HUD refunded the UFMIP and 3 months MIP. This indicates the loan is no longer insured. In addition, the borrower's authorization to work in the US was not sufficiently documented - he is under DACA and there is no history of renewal to support continuance and the authorization expires in less than 12 months from the note date. Also, the lender did not obtain a 442 re-inspection to verify repairs were done prior to closing. The 442 was not obtained until 12/2018 and was closed based on the loan originator's certification.          
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911077 TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/06/XX/2018) Final closing disclosure shows disbursement date of 6/28 and the Note date is 6/23.         Letter of Explanation & Corrected Closing Disclosure
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911078 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018) Final closing disclosure showed blank for costs exceeding the legal limit. The fees exceeding the legal limit are seller fees.         Letter of Explanation & Corrected Closing Disclosure
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911080 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,217.50 exceeds tolerance of $883.00 plus 10% or $971.30. Insufficient or no cure was provided to the borrower. (0) The increase is due to seller's portion of settlement fee not being disclosed.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911081 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911082 Final HUD Addendum 92900-A is missing. Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents)           Provide missing documentation
25492233 Purchase Primary 6/XX/2018 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911083 FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date. Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) Initial 92900-A in the file was printed on 6/20 which is over 3 days after application date.          
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 11/30/2018 1 13911145 Missing Document: Pay History not provided           (2019-08-15): Pay history provided from 10/31/2018 to 11/14/2018. Exception cleared. Provide missing documentation
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 11/30/2018 1 13911149 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.         (2019-08-15): loan is insured, please capture info (2019-08-15): Per Lender loan is currently insured.  
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/27/2018 1 13911164 TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $1,755.12 on Final Closing Disclosure provided on 09/XX/2018 not accurate. (Final/09/XX/2018)         (2019-08-15): Per Compliance team, this was a TRID 2.0 update to include MI in property costs over a year and this loan was originated during the period of optional compliance so there is no issue. Item is cleared. Letter of Explanation & Corrected Closing Disclosure
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911166 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. The designated status of Temporary SHQM is different than the designation of Safe Harbor QM determined by the review.         Lender to provide updated ATR/QM status
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/28/2018 1 13911168 TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/09/XX/2018) The Monthly Escrow Payment disclosed on page 1 of the Consumer's CD did not include the monthly Mortgage Insurance Premium. The Monthly Escrow Payment and Escrowed Property Costs over Year 1 on page 4 of the Consumer's CD included the Mortgage Insurance Premium.       (2019-08-15): Per the Compliance department, TRID 2.0 changes allow for MI to be included in the Property Costs over year 1 - this loan was originated during the optional compliance period and as such, the way the costs were disclosed is acceptable. (2019-08-15): The required cure of Letter of Explanation & Corrected Closing Disclosure was not provided in the trailing documents. Letter of Explanation & Corrected Closing Disclosure
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/30/2018 2 13911169 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018) Page 3 of the Consumer's Final CD did not disclose the Total Closing Costs exceed the limit by $20.00 due to the Title-Closing Protection Letter fee not being previously disclosed.       (2019-08-15): Letter of Explanation & Corrected Closing Disclosure provided Letter of Explanation & Corrected Closing Disclosure
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/30/2018 2 13911171 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $20.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7724) The loan file did not contain a cure in the amount of $20 for exceeding the tolerance of the Closing Protection letter.       (2019-08-15): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Waived 11/30/2018 2 13911173 Title Error: Title vesting does not concur with deed   The Mortgage has A Single Man and A Single Women. The deed has Joint Tenants with Right of Survivorship. Borrowers have 12 mo reserves. Representative credit score is 731   (2019-08-15): We will waive (2019-08-15): Client elected to waive the condition.  
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911175 AUS Findings: Property type discrepancy. Appraisal property type of Manufactured Housing does not match AUS property type of Single Family Detached.       (2019-08-15): defect disclosed (2019-08-15): Nothing new provided - exception remains.  
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 11/30/2018 1 13911178 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Per the Lender the loan is currently insured.  
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911179 AUS Findings: All conditions were not met   The property is a modular home and not single family detached as entered on the AUS.          
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911182 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/09/XX/2018) The Appraisal Report Date is dated 9/XX/2018 and the Appraisal Acknowledgement form shows the Lender sent the appraisal to the borrower via email on 9/XX/2018.          
25667068 Purchase Primary 9/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911186 Missing secondary valuation product required for securitization.   Secondary Valuation product that is required for a Securitization is not in File.         Provide missing documentation
25631739 Purchase Primary 1/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911187 AUS Findings: Property type discrepancy. Appraisal property type of Manufactured Housing does not match AUS property type of PUD. This was also the defect reason disclosed.          
25631739 Purchase Primary 1/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/18/2019 1 13911195 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is insured, please capture MI info. (2019-08-15): Client has indicated loan is insured and provided evidence of same.  
25631739 Purchase Primary 1/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 01/18/2019 1 13911199 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Client has indicated loan is insured and provided evidence of same.  
25631739 Purchase Primary 1/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Cleared 03/25/2019 1 13911206 Current Total Debt Ratio exceeds 50% guideline maximum. Current Total Debt Ratio: 50.32501% The post-close credit report reflects the borrower has a revolving tradeline with a balance of $1420.00 and a monthly payment of $27.00. At closing, the borrower's consumer debt was paid off.       (2019-08-15): Exception Cleared. Debt paid at close.  
25631739 Purchase Primary 1/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911211 TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/XX/2018) The Seller's Closing Disclosure was not provided in the loan file.         Letter of Explanation & Corrected Closing Disclosure
25631739 Purchase Primary 1/XX/2018 CO $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Cleared 01/18/2019 1 13911219 Incomplete Document: Pay History is incomplete   Missing pay history from 10/XX/2018 to 12/XX/2016.       (2019-08-15): Pay history provided from 10/26/2018 to 01/16/2019; exception cleared.  
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/30/2019 1 13911121 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): loan is insured, please collect MI info. (2019-08-15): Loan is insured - evidence MI is in force provided.  
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911123 AUS Findings: All conditions were not met   Earnest Money Deposit of $3000 is not sourced. The borrower's overtime income was used to qualify when the borrower has been with employer for less than 2 years. The co-borrower is employed through a temp agency. The issue with the co-borrower's income was also the disclosed defect issue.          
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 01/30/2019 1 13911125 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Loan is insured - evidence MI is in force provided.  
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/25/2019 1 13911129 TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $10,136.76 on Final Closing Disclosure provided on 09/XX/2018 not accurate. (Final/09/XX/2018) The monthly Mortgage Insurance Premium of $224.51 was included in the Monthly Escrow Payment disclosed on page 4 of the final CD.     (2019-08-15): Initial Closing Disclosure dated 9/XX/18 resets the base line and disclosed updated MI payment increase correctly $224.51. Per the findings, the condition Total Amounts are correct. See attached for explanation. Condition 1. (2019-08-15): This was a TRID 2.0 update (to include MI in property costs over year 1) effective 10/1/18 (optional compliance effective 10/10/17). Since loan was originated during optional compliance period, exception resulting from property costs over year 1 including MI amount may be cleared. (2019-08-15): Correction to previous comment. The escrow payment of $620.22 is multiplied by either 12, 11 or 10 mos on page 4 and does NOT include the mortgage insurance payment in the Amount of Escrowed Property Costs over Year 1. A Corrected CD and Letter of Explanation correcting page 4 is needed to cure. (2019-08-15): It appears the misunderstanding here is that the Estimated Taxes, Insurance & Assessments on page 1 must include all cost related to the loan, including Mortgage Insurance. The amount disclosed is the homeowners insurance taxes and HOA dues only. Please provide a Corrected CD and Letter of Explanation to cure. (2019-08-15): Total property costs to be reflected on page 1 is $886.73, which includes $82.86 for HOI, $224.51 for MI, $537.36 for Taxes and $42.00 for HOA dues. A Corrected CD and Letter of Explanation provided to Borrower is required to cure. Letter of Explanation & Corrected Closing Disclosure
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911131 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. The Lender's Compliance report reflects the loan was presumed to be a Qualified Mortgage and High-Priced at origination. Compliance was run using the Loan Designation of Temporary HPQM (GSE/Agency Eligible).       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing. Lender to provide updated ATR/QM status
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/14/2019 1 13911133 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018) The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded.       (2019-08-15): Attorney Doc Prep fee was mislabeled on CD and did not match LE. Exception cleared. Letter of Explanation & Corrected Closing Disclosure
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/14/2019 1 13911137 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $453.48 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) The loan file did not provide a cure in the amount of $453.48 for exceeding the tolerance of the Loan Discount Points fee.     (2019-08-15): Initial Closing Disclosure dated 9/XX/18 resets the base line and disclosed updated MI payment increase correctly $224.51. Per the findings, the condition Total Amounts are correct. See attached for explanation. Condition 1. (2019-08-15): Correct Change of Circumstance disclosed change on Loan Discount Points and change of MI payment amount shown on Initial LE 9/XX/18. Valid Change of Circumstance (attached) (2019-08-15): AMC received VCC for fee change. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/14/2019 1 13911139 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $60.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7522) The loan file did not provide a cure in the amount of $60 for exceeding the tolerance of the Document Preparation fee.     (2019-08-15): Initial Loan Estimate disclosed Attorney Document Prep Fee $60 and Charged correctly on Final Closing Disclosure. Per findings, the fee was disclosed correctly. Condition 3. (2019-08-15): Attorney Doc Prep fee was mislabeled on CD and did not match LE. Exception cleared. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/25/2019 1 13911140 TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/09/XX/2018) The Estimated monthly escrow payment of $662.22 did not included the monthly Mortgage Insurance Premium.     (2019-08-15): Monthly payment amount does not include the HOA within Escrows the difference of $42.00 per month. The monthly escrow payment reflects on page 1 of the CD and included in Page 4 escrow amount total. (2019-08-15): Escrow payment not including MI is $620.22. (2019-08-15): Total property costs to be reflected on page 1 is $886.73, which includes $82.86 for HOI, $224.51 for MI, $537.36 for Taxes and $42.00 for HOA dues. A Corrected CD and Letter of Explanation provided to Borrower is required to cure. Letter of Explanation & Corrected Closing Disclosure
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911142 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/09/XX/2018) The Lender acknowledged the Appraisal was sent via email to the borrower on 9/XX/2018. The report is dated 9/XX/2018.          
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911144 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. The borrower's overtime was used to qualify when the borrower has been with employer for less than 2 years. The co-borrower's income was used when the co-borrower is employed through a temp agency.          
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Asset Asset Documentation Credit Cleared 01/24/2019 1 13911147 Asset documentation requirements not met according to Decision System Input. All documentation requirements for LP / LPA were not met. The Earnest Money Deposit of $3000 was not sourced.     (2019-08-15): EMD: ? When the loan was underwritten, this amount was backed, reducing verified assets. ? Co-Borrower ( XXX) had $26,001.74 qualifying assets ($29,001.74 verified less $3000 backed out EMD), but only needed 4538.73 to close (not considering EMD). Therefore, borrower's had a considerable amount of available assets in reserves that could have been used for EMD. I'm providing a copy of the Statement evidencing the EMD was backed out, as well as the XXX's bank statement. You'll also find a copy of a Cashier's Check in the amount of $3000 dated 9/X/18, which is after the bank statement date provided by XXX. (2019-08-15): Why is this not sufficient? (2019-08-15): The borrowers had sufficient funds to close without consideration of the earnest money deposit and LPA did not require any reserves. The final 1003 reflected the borrower's assets less the $3000 unsourced earnest money. No further issue. (2019-08-15): The earnest money was provided via a cashier's check purchased by XXX and the only bank statements we have are in the name of the other borrower. The source of the funds for this cashier's checked have not been sourced. Condition remains outstanding.  
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13911150 More than one late mortgage payment is present in the last 90 days.   Loan exhibited a 30 day delinquency for the month of 11/2018.          
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911151 QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/XXX/2514280) QM/ATR testing performed due to loan not meeting Agency requirements and therefore not being Agency Saleable. Loan does not Meet QM/ATR requirements based on the docs in file as required per DU.          
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   3 13911152 Wages Continuance Qualified Mortgage (Dodd-Frank 2014): Employment not likely to continue. (Rico,Sandra The Creative Group/Robert Half-Reach Local/Wages) QM/ATR testing performed due to loan not meeting Agency requirements and therefore not being Agency Saleable. Loan does not Meet QM/ATR requirements based on the docs in file as required per DU.          
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911154 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. QM/ATR testing performed due to loan not meeting Agency requirements and therefore not being Agency Saleable. Loan does not Meet QM/ATR requirements based on the docs in file as required per DU.         Provide missing documentation
25130255 Purchase Primary 9/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911156 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 43.05920%, LTV/CLTV: 97.00000%/102.82000%, Credit Score: 648, Occupancy: Primary, Purpose: Purchase, QM/ATR testing performed due to loan not meeting Agency requirements and therefore not being Agency Saleable. Loan does not Meet QM/ATR requirements based on the docs in file as required per DU.          
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Cleared 12/11/2018 1 13911235 Missing Document: Verification of Non-US Citizen Status not provided   Missing the permanent resident alien verification for the borrower Domingo Rangel Martinez.       (2019-08-15): Permanent Resident Alien card provided for the borrower. Provide missing documentation
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 12/11/2018 1 13911236 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Evidence provided that loan remains insured.  
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Open   3 13911237 The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 09/XX/2018, Transaction Date: 09/XX/2018            
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911239 Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.            
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911241 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. The Originator Loan Designation does not match the loan designation derived from the loan review.         Lender to provide updated ATR/QM status
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911242 TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/09/XX/2018) While the Note and CD's were dated 09/XX/2018, the CD signature date along with the security instrument notary date were 09/XX/2018.         Letter of Explanation & Corrected Closing Disclosure
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/28/2018 1 13911243 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018) The Final CD did not disclose a dollar amount by which total closing costs were exceeded.       (2019-08-15): Funding Fee and Tax Service were both originally disclosed in Section B on the initial LE and then at closing moved to Section A. Fee amounts were the same. No cure required. Letter of Explanation & Corrected Closing Disclosure
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911244 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. The loan file did not contain a copy of the Home Loan Tool Kit Disclosure.         No Defined Cure
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/28/2018 1 13911246 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $80.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73133) The loan file did not contain a cure in the amount of $80 for exceeding the Tax Service (Life of Loan) tolerance.     (2019-08-15): Per Seller this was on the initial LE. Why is it not valid? (2019-08-15): Funding Fee and Tax Service were both originally disclosed in Section B on the initial LE and then at closing moved to Section A. Fee amounts were the same. No cure required. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/28/2018 1 13911247 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7396) The loan file did not contain a cure in the amount of $400 for exceeding the Funding Fee tolerance.     (2019-08-15): Per Seller this was on the initial LE. Why is it not valid? (2019-08-15): Funding Fee and Tax Service were both originally disclosed in Section B on the initial LE and then at closing moved to Section A. Fee amounts were the same. No cure required. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911249 General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.94559% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)            
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911250 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/2514305) Missing letter of explanation for gap of employment for the co-borrower as required by Appendix Q.       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/1940715)  
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911251 QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/XXX/2514304) Missing letter of explanation for co-borrower's gap of employment as required by Appendix Q..       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/XXX/1940700)  
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911252 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Non QM due to missing income verification.          
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911253 Payment Shock exceeds credit guidelines.              
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/11/2018 1 13911254 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.         (2019-08-15): The loan is insured. please capture MI information (2019-08-15): Evidence provided that loan is still insured.  
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/28/2018 1 13911255 RESPA - Initial Escrow Account Statement Missing Unable to determine if the initial escrow account statement is compliant based on missing information. The Initial Escrow Disclosure is not dated so unable to tell when borrowers received it.       (2019-08-15): The IEAD did not have a date, however it was signed. The closing date was used. Provide missing documentation
25575833 Purchase Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911256 Missing secondary valuation product required for securitization.   Secondary Valuation product that is required for a Securitization is not in File.         Provide missing documentation
25584728 Purchase Primary 7/XX/2018 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911210 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. The Lender's QM Assessment report reflects the loan was originated as a Qualified Mortgage and not High-Priced at origination. Compliance was run using the Loan Designation of Temporary SHQM (GSE/Agency Eligible).         Lender to provide updated ATR/QM status
25584728 Purchase Primary 7/XX/2018 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911215 QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/XXX/2514327) A verification of the borrower's previous employment dates is not in the loan file as required by Appendix Q.       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/XXX/1951375)  
25584728 Purchase Primary 7/XX/2018 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/21/2018 1 13911224 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $5.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75206) The Lender provided an $11.00 cure at closing.         Final CD evidences Cure
25584728 Purchase Primary 7/XX/2018 NJ $XXX Loan Review Complete 08/15/2019 Credit Credit Eligibility Credit Cleared 01/24/2019 1 13911226 There are red flags on the fraud report that have not been addressed Credit Report: Original // Borrower: XXX Missing a Letter of Explanation for prior foreclosures. Fraud Report shows a foreclosure occurred on 8/XX/2015.     (2019-08-15): See letter on page 2 (2019-08-15): Letter of explanation provided regarding the foreclosure.  
25584728 Purchase Primary 7/XX/2018 NJ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911228 Missing secondary valuation product required for securitization.   Secondary Valuation product that is required for a Securitization is not in File.         Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 11/23/2018 1 13911158 Missing Document: Tax Certificate not provided           (2019-08-15): Tax cert provided. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Cleared 11/23/2018 1 13911161 Missing Document: Note - Subject Lien not provided           (2019-08-15): Document provided. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 11/23/2018 1 13911163 Missing Document: Missing Final 1003           (2019-08-15): Document provided. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911165 Missing Document: General Services Administration (GSA) not provided             Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Open   3 13911167 Insufficient Coverage: Hazard insurance coverage amount is insufficient.         (2019-08-15): Insufficient Coverage: Hazard insurance coverage amount is insufficient. The dwelling coverage is $68,863 and the loan amount is $50,505. Why is the dwelling considered insufficient? (2019-08-15): The shortfall is based on the need for coverage in the amount of the greater of the loan amount or 80% of the estimated cost new. This can be re-evaluated if the lender can document the insured value from the insurance company. Condition remains.  
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Cleared 11/30/2018 1 13911170 Missing Letter of Explanation or the letter contained unacceptable reasons regarding derogatory credit.         (2019-08-15): What additional information is the investor looking for on the letter? Outside of the Kohls account, the remaining derogatory accounts are medical which aren't required to be explained. (2019-08-15): The borrower provided a letter of explanation for the non-medical adverse - nothing further needed. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/05/2018 1 13911172 USDA ineligible; FICO < 640 - Missing evidence of compensating factors.         (2019-08-15): USDA doesn't require multiple compensating factors unless you are submitting for a ratio waiver. The compensating factor on this particular loan is the low debt to income usage. (2019-08-15): An addendum to the 1008 was provided with the underwriter's comments regarding compensating factors. (2019-08-15): USDA guidelines require that for credit scores below 640, a written justification for a credit exception be included on the underwriter's analysis. The file does not contain written justification/comp factor(s) for the credit approval. Condition remains. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Cleared 11/30/2018 1 13911174 USDA Coverage % is missing.         (2019-08-15): What exactly are they looking for here? The LNG lists out the coverage percentages. (2019-08-15): Coverage percentage provided. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 11/23/2018 1 13911176 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Insurance is active, please capture information (2019-08-15): Client has indicated loan is insured and provided documentation from GLS system to support.  
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13911180 Credit Report Error: Credit report is missing FICO scores. Credit Report: Original // Borrower: XXX           Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Credit Credit Calculation / Analysis Credit Cleared 11/30/2018 1 13911189 Credit usage ratio exceeds 125% and is beyond guideline tolerance. Credit Report: Original Credit Usage over 100% not noted in AUS refer and missing approval.     (2019-08-15): What is the investor looking for here? Our ratios are 17.15%/22.78% (2019-08-15): Borrower had limited trades and both were slightly over stated line limit, but nothing in guidelines prohibiting this.  
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Credit Credit Calculation / Analysis Credit Cleared 12/05/2018 1 13911191 Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 588 is less than Guideline representative FICO score of 620.         (2019-08-15): Score below 620 acceptable to USDA as long as certain criteria are met within the file.  
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Cleared 11/23/2018 1 13911194 Patriot Act Disclosure is missing Disclosure: Patriot Act Disclosure         (2019-08-15): Disclosure provided. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 11/23/2018 1 13911197 Conditional Commitment (Signed) RD 3555-18 or RD 3555-18E is missing. Disclosure: USDA - Conditional Commitment (Signed) RD 3555-18 or RD 3555-18E (Government Documents)         (2019-08-15): Document provided. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 11/23/2018 1 13911200 Request for Single Family Housing Loan Guaranty (RD 3555-21) is missing. Disclosure: USDA - Request for Single Family Housing Loan Guaranty (RD 3555-21) (Government Documents)         (2019-08-15): Document provided. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911202 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911203 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514289) Two year employment verification not satisfied for the co-borrower as required by Appendix Q.       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/1923932)  
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911208 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. The provided loan designation does not match the determination from the review of non-QM.         Lender to provide updated ATR/QM status
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911214 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. The loan file did not contain a copy of the Home Loan Toolkit Disclosure.         No Defined Cure
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 11/30/2018 1 13911227 Missing Document: Approval not provided           (2019-08-15): Loan Approval provided. (2019-08-15): Nothing new provided for this exception - condition remains. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Cleared 11/23/2018 1 13911229 Missing Letter of Explanation regarding derogatory credit.           (2019-08-15): LOX provided. Provide missing documentation
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Credit Miscellaneous Credit Open   3 13911230 Credit Exception:   Unacceptable donor on the gift funds provided to borrower. The donor was not a relative of the borrowers. The co-borrower did not receive FICO scores due to limited account activity on the credit report.          
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 11/23/2018 1 13911231 Loan was originated as USDA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Evidence provided that loan is insured.  
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Asset Asset Documentation Credit Open   3 13911232 Asset documentation requirements not met according to Decision System Input. All documentation requirements for USDA GUS were not met. USDA did not purchase the loan as the gift donor was not a relative of the borrower and was not an acceptable donor.          
25646286 Purchase Primary 6/XX/2018 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911233 Missing secondary valuation product required for securitization.   Secondary Valuation product that is required for a Securitization is not in File.         Provide missing documentation
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911114 GSA exclusions not checked for all borrowers.              
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 13911115 Borrower(s) are excluded from eligibility.              
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Cleared 11/13/2018 1 13911116 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.           (2019-08-15): Loan is not insured. Provide missing documentation
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 11/13/2018 1 13911118 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.         (2019-08-15): Loan is uninsured (2019-08-15): Client has indicated the loan is not insured and provided pay history reflecting the upfront and monthly MIP being refunded to the loan.  
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Open   3 13911119 Patriot Act Disclosure is missing Disclosure: Patriot Act Disclosure           Provide missing documentation
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911120 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Loan not eligible for guarantee by FHA per job notes.          
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911122 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. Loan designation noted as HUD Safe Harbor per compliance report.         Lender to provide updated ATR/QM status
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911124 TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 11/XX/2017 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/XX/20/2017) LE dated prior to additional electronic consent.         No Defined Cure
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911128 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25281270 Refinance Rate/Term Primary 1/XX/2018 MI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911134 Missing secondary valuation product required for securitization.   Secondary Valuation product that is required for a Securitization is not in File.         Provide missing documentation
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/14/2018 1 13911177 Missing Document: Pay History not provided           (2019-08-15): Pay history was provided for this loan on 12/14/2018. Provide missing documentation
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911183 Other Income - Not to be used for qualifying Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX XXX./Bank Statements)            
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911185 Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.            
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911190 TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Borrower received the right to receive a copy of the Appraisal Disclosure on 10/XX/2017, 4 business days after the application date of 10/XX/2017.          
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911193 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk.         Lender to provide updated ATR/QM status
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911198 TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Borrower received the Servicing Disclosure on 10/XX/2017, 4 business days after the application date of 10/XX/2017.          
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911204 RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Borrower received the List of Homeownership Counseling Organizations on 10/XX/2017, 4 business days after the application date of 10/XX/2017.          
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911207 TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Borrower received the Home Loan Toolkit Disclosure on 10/XX/2017, 4 business days after the application date of 10/XX/2017.         No Defined Cure
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911212 TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/10/XX/2017) Borrower received the Loan Estimate on 10/XX/2017, 4 business days after the application date of 10/XX/2017.         No Defined Cure
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911218 TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Borrower received the list of service providers on 10/XX/2017, 4 business days after the application date of 10/XX/2017.         No Defined Cure
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/17/2018 1 13911223 Missing Document: AUS not provided         (2019-08-15): Manual underwritten non-QM loan (2019-08-15): Client has indicated the loan is a manual underwrite and there is no AUS. Provide missing documentation
25194969 Purchase Second Home 11/XX/2017 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911234 Missing secondary valuation product required for securitization.   Secondary Valuation product that is required for a Securitization is not in File.         Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13911084 (Doc Error) Initial GFE not provided              
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911085 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is insured, please capture info. (2019-08-15): Loan is insured per client - provided evidence.  
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Cleared 12/21/2018 1 13911087 Patriot Act Disclosure is missing Disclosure: Patriot Act Disclosure         (2019-08-15): Received disclosure. Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Open   3 13911089 The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 08/XX/2015, Transaction Date: 08/XX/2015 The Hazard Insurance Policy Effective Date of 08/XX/2015 is 2 days after the Transaction Date of 08/XX/2015.          
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Cleared 12/21/2018 1 13911090 Missing Document: Note - Subject Lien not provided           (2019-08-15): Received subject note. Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Cleared 12/21/2018 1 13911094 Missing Document: Note - Subordinate Lien not provided           (2019-08-15): Received 2nd note. Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911095 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. The Notice of Right to Copy of Appraisal in the loan file was provided on 8/XX/2015 and signed by the borrower on 8/XX/2015. The application date is 7/XX/2015..          
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911097 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         (2019-08-15): Updated from: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911098 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. The Lender's compliance report reflects the loan was presumed to be a Qualified Mortgage, Agency Eligible and not High-Priced at origination. Compliance was run using the Loan Designation of Temporary SHQM (GSE/Agency Eligible).         Lender to provide updated ATR/QM status
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911100 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911101 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911102 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13911103 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911106 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Cleared 12/21/2018 1 13911108 Incomplete Document: Pay History is incomplete   Pay history is missing from 12/XX/2016 to 11/XX/2017.       (2019-08-15): Pay history provided from 12/15/2016-12/10/2018; exception cleared.  
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13911111 The Borrower has mortgage late payment(s) within the prior 12 months.   Loan has been current in the past 12 months, however during scope of review loan was rolling 60 days delinquent from 12/2016 to 04/2017 and 90 to 210 days delinquent, respectively from 05/2017 to 09/2017. Loan was brought current 10/XX/2017 and has been current since 10/2017.          
25300504 Purchase Primary 8/XX/2015 WA $XXX Loan Review Complete 08/15/2019 Appraisal Reconciliation Value Discrepancy Property Open   3 13911113 Loan is missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13911258 Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable Document does not appear to have been provided.          
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/06/2018 1 13911260 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $95.00 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing. (73133) Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $95.00 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing.         Final CD evidences Cure
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/06/2018 1 13911261 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $82.21 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) Tolerance exceeded for Credit Report Fee. Fee Amount of $82.21 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing.         Final CD evidences Cure
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/06/2018 1 13911262 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Rundown and Record. Fee Amount of $65.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75223) Tolerance exceeded for Title - Rundown and Record. Fee Amount of $65.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.         Final CD evidences Cure
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/06/2018 1 13911263 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7563) Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.         Final CD evidences Cure
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Credit Miscellaneous Credit Open   3 13911265 Credit Exception:   The client defect mentions the borrower had a short sale on 5/XX/2014 per public records however unable to confirm with loan documentation provided. The primary borrower had a Chapter 7 Bankruptcy which was discharged in 7/2013       (2019-08-15): The file now contains documentation to confirm the date of the short sale; however, the file has not completely documented the extenuating circumstances that required a short sale - a divorce is not in and of itself an extenuating circumstance. Condition remains outstanding as this is the defect of the loan originally.  
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Cleared 01/09/2019 1 13911269 Incomplete Document: Pay History is incomplete   Missing the pay history for the months of 12/XX/2017 to 07/XX/2018.       (2019-08-15): Updated pay history was provided on 01/09/2019.  
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/16/2019 1 13911271 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is insured. Please capture loan info. (2019-08-15): Loan is insured - evidence MI is in force provided.  
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 01/16/2019 1 13911273 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.         (2019-08-15): Loan is insured. (2019-08-15): Loan is insured - evidence MI is in force provided.  
25897478 Purchase Primary 10/XX/2017 MA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911278 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/04/2019 1 13911266 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing. Fails QM Testing due to excessive Points and Fees on subject loan of 3.52675% .       (2019-08-15): Corrected originator designation to Temp Safe Harbor. Lender to provide updated ATR/QM status
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/04/2019 1 13911267 QM Points and Fees Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.52583% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $6,740.00 on a Federal Total Loan Amount of $191,160.56 vs. an allowable total of $5,734.81 (an overage of $1,005.19 or .52583%). Points and Fees on subject loan of 3.52675% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount.     (2019-08-15): Per the FDIC: If the pre-discount rate does not exceed APOR + 1% you can exclude up to 2 bona fide discount points. To be bona fide the points must buy a rate reduction for the borrower and reduce the rate by an amount consistent with "industry norms" (2019-08-15): Used undiscounted rate from Mavent report and reran compliance testing. If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) Refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5) The loan was closed on or before January 10, 2021; Documents Required to Cure 1) Letter of Explanation 2) Copy of Refund Check (in the amount of overage plus interest) 3) Proof of Delivery 4) Lender/Seller Attestation indicating: a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b) The loan is not 60 days delinquent; and c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911268 TRID Esign Consent Agreement Status ESIGN Act Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $10,438.48 and disclosure timing violations. There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.     (2019-08-15): Please review all TRID issues now that e-consent was provided (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared No Defined Cure
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911270 TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/09/XX/2018) Final Closing Disclosure provided on 09/XX/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed.         Letter of Explanation & Corrected Closing Disclosure
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911272 TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Letter of Explanation & Corrected Closing Disclosure
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911274 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,590.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911277 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,190.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911279 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $550.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911280 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $495.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911281 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911282 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $8.48 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911283 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $80.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/31/2019 1 13911284 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,570.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) There is no evidence of e-consent to receive disclosures electronically, as the initial Loan Estimate was delivered, thus, any baselining of a disclosure sent in this method will not be considered.       (2019-08-15): E-sign Consent Agreement provided. 0% and 10% exceptions cleared Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911285 ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2018)            
25989837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911288 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911289 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is insured, please capture info. (2019-08-15): Loan is insured - LGC provided.  
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911290 VA Loan Disbursement Form 26- 1820 is not compliant. Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents) Not signed by lender       (2019-08-15): Received the lender signed page of the disclosure.  
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911291 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 03/XX/2018 Disaster End Date: 09/XX/2018 Disaster Name: HURRICANE FLORENCE Disaster Declaration Date: 09/XX/2018 The subject property is located in a FEMA Disaster area (post-close). A post-disaster inspection verifying there was no damage to the subject property is required dated on or after the disaster declaration end date of 09/XX/2018.          
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Cleared 01/04/2019 1 13911292 Patriot Act Disclosure is missing Disclosure: Patriot Act Disclosure         (2019-08-15): Received disclosure. Provide missing documentation
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911293 Loan Guaranty Certificate is missing. Disclosure: VA - Loan Guaranty Certificate (Government Documents)       (2019-08-15): Loan is insured, please update information. (2019-08-15): Received LGC - loan is insured. Provide missing documentation
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911294 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911295 TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/XX/20/2018) Per sections F of the Final Closing Disclosure provided on 03/XX/2018, the Prepaid Interest was was paid by the Seller at closing and not the borrower, causing a discrepancy in the Total Interest Percentage disclosed on page 5.         Letter of Explanation & Corrected Closing Disclosure
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911296 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. The Home Loan Toolkit was not provided.         No Defined Cure
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 01/09/2019 2 13911297 TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/XX/20/2018) Per section G of the Final Closing Disclosure provided on 03/XX/2018, the Initial Escrow Payment was paid by the Seller at closing and not the borrower, causing a discrepancy in the escrow payment disclosed on page 4. The amounts disclosed on page 4 should be borrower paid costs only. Provide a post-close CD correcting the escrow section and a copy of the letter of explanation sent to the borrower disclosing the changes made.     (2019-08-15): Please see attached PCCD. Form was emailed to borrower. (2019-08-15): The table on page 4 of the PCCD dated 3/XX/2018 is accurate as printed. The table is a disclosure of the totals the escrows will cost the borrower without regard to whether the escrow account prepaids were funded by the borrower or the seller. Escrowed property costs over year 1 are accurate and remain borrower paid. Initial escrow payment simply shows what should have been deposited into the escrow account and references section G on page 2 to show who actually funded that amount initially. The monthly escrow payment is accurate and is pulled from the mortgage data screen directly. A new PCCD is not required. (2019-08-15): AMC received Letter of Explanation & Corrected Closing Disclosure (2019-08-15): Letter of Explanation & Corrected Closing Disclosure provided to cure. 1026.38(l)(7) [Escrow Account on page 4] basically refers to 1026.38(g)(3) [Section G on page 2 of CD]. In (g)(3), the only total that is referenced is the borrower-paid total. Further, it makes sense that the (l)(7) disclosure in the CD matches up with the borrower-paid total because we note that the (l)(7) disclosure states "A cushion for the escrow account you [i.e., the borrower] pay for at closing." (Emphasis added). To permit a total that is both borrower- and non-borrower paid would appear misleading since that would then not be the amount that "you [i.e., the borrower]" is paying. Letter of Explanation & Corrected Closing Disclosure
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 01/09/2019 1 13911298 TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/XX/20/2018) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows $11,162.55 in seller paid closing costs, borrower's final CD shows $12,962.65.       (2019-08-15): AMC received Letter of Explanation & Corrected Closing Disclosure Letter of Explanation & Corrected Closing Disclosure
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Eligibility Credit Open   2 13911299 Public Record Issue: Credit Report: Original // Public Record Type: Collections / Balance: 115.00 Collection was not paid off at closing and per DU documentation supporting the omittance was required          
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/08/2019 1 13911300 VA - Escape Clause was provided at or after closing. Disclosure: VA - Escape Clause (Government Documents) Provided Date: 03/XX/2018; Consummation Date: 03/XX/2018       (2019-08-15): 12.28.18 the verbiage was contained in the purchase agreement addendum. Uploaded page (2019-08-15): Received both pages of the contract addendum which was fully executed, (2019-08-15): The document provided for this was only page 1 of 2 - please provide the full contract addendum as the second page would have the signatures on it.  
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 01/04/2019 1 13911301 Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Received LGC - loan is insured.  
25658279 Purchase Primary 3/XX/2018 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911303 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911305 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 07/XX/2017 Disaster End Date: 10/XX/2017 Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017            
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911310 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is insured, we have confirmed it is active. Please update information. (2019-08-15): Evidence provided that MI is still in force.  
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 01/04/2019 1 13911312 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Evidence provided that MI is still in force.  
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911315 TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. The Home Loan Toolkit was delivered on 7/XX/2017. The application date is 7/XX/2017.         No Defined Cure
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911317 TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure Corrected Closing Disclosure provided on 08/XX/2017 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation The loan amount increased from $165,000 to $170,250 without a valid change circumstance being disclosed.         No Defined Cure
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911321 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $58.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73133) The loan file did not contain a cure in the amount of $58 for exceeding the tolerance of the Tax Service Fee.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911323 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75108) The loan file did not contain a cure in the amount of $250 for exceeding the tolerance of the Compliance/Quality Control Fee.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911327 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75127) The loan file did not contain a cure in the amount of $400 for exceeding the tolerance of the Funding Fee.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911329 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2017) The Final Closing Disclosure did not provide a dollar amount by which the total closing costs were exceeded.         Letter of Explanation & Corrected Closing Disclosure
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Eligibility Credit Open   2 13911331 Public Record Issue: Credit Report: Original // Public Record Type: Collections / Balance: 214.00, Credit Report: Original // Public Record Type: Collections / Balance: 185.00, Credit Report: Original // Public Record Type: Collections / Balance: 144.00, Credit Report: Original // Public Record Type: Collections / Balance: 94.00            
25795634 Purchase Primary 8/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911334 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911316 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2017 Disaster End Date: 10/XX/2017 Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017            
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911320 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is uninsured, received sufficient proof. Please update the information. (2019-08-15): Loan is uninsured - received evidence upfront and monthly MIP premiums have been refunded to the borrower.  
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911326 FHA - Amendatory Clause was provided at or after closing. Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: 10/XX/2017; Consummation Date: 10/XX/2017         (2019-08-15): Received the RE Contract Addendum which contained the Amendatory Clause.  
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911330 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Subject loan is not eligible to be insured or guaranteed by FHA.          
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911332 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Fails QM Testing       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing. Lender to provide updated ATR/QM status
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   2 13911335 Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification. Credit Report: Original // Liability Type: Revolving / Current Balance: $203.00 / Line Limit: $750.00 Per supplemental credit report, borrower is an authorized user and not responsible for the account.          
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911337 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)         (2019-08-15): Received addendum to RE Contract containing the RE Certification. Provide missing documentation
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911338 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25255131 Purchase Primary 10/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911339 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25747564 Purchase Primary 10/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/11/2019 1 13911304 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.         (2019-08-15): Loan is uninsured, please update information. (2019-08-15): Lender has indicated loan is uninsured and borrower's payment has been adjusted accordingly.  
25747564 Purchase Primary 10/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/14/2018 1 13911308 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $31.00 exceeds tolerance of $30.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)           Final CD evidences Cure
25747564 Purchase Primary 10/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911311 AUS Findings: All conditions were not met   The AUS feedback required the borrower to take a home ownership counseling course prior to closing and the file did not contain any evidence of completion of a course          
25747564 Purchase Primary 10/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911314 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. The originator's loan designation of Temporary SHQM does not match the designation determined by the review of Fails QM. The "Fails QM" designation is due to the loan not meeting the AUS and therefore not being agency salable.       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing. Lender to provide updated ATR/QM status
25747564 Purchase Primary 10/XX/2018 SC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911318 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25156674 Purchase Primary 6/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911359 Missing Document: Pay History not provided   Pay history missing from 08/XX/2018 to 12/XX/2018.       (2019-08-15): Pay history provided from 06/14/2018 to 12/03/2018; exception cleared. Provide missing documentation
25156674 Purchase Primary 6/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911362 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $2,464.00 on Final Closing Disclosure provided on 06/XX/2018 not accurate. (Final/06/XX/2018) The appraisal reflects annual HOA dues at $2,679.00 while the DU and Final CD reflect $2,464.00 causing the discrepancy.       (2019-08-15): Monthly HOA dues are $223.25 x 11 mos = $2,455.75. Final CD disclosed $2,464.00. A Corrected CD and Letter of Explanation is required to cure. Letter of Explanation & Corrected Closing Disclosure
25156674 Purchase Primary 6/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911363 TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $4,036.67 on Final Closing Disclosure provided on 06/XX/2018 not accurate. (Final/06/XX/2018) Tax cert in file reflects Semi-Annual County Taxes at $876.90 or $146.15/mo, however, DU and Final CD reflect taxes at exactly twice that amount at $292.30/mo causing the discrepancy.     (2019-08-15): NEW CONSTRUCTION. TAX CERT REFLECTS LAND ONLY TAXES WHICH WE DO NOT USE TO QUALIFY A BORROWER. 1.25% OF SALES PRICE IS WHAT IS USED WHICH IS WHAT WAS USED TO QUALIFY THE BORROWER AND ESTABLISH THE ESCROW ACCOUNT. NOTHING TO PROVIDE. (2019-08-15): AMC received an attestation for taxes used at closing were at 1.25% of sales price for newly constructed property Letter of Explanation & Corrected Closing Disclosure
25156674 Purchase Primary 6/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911364 TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/631330) Tax cert in file reflects Semi-Annual County Taxes at $876.90 or $146.15/mo, however, DU and Final CD reflect taxes at exactly twice that amount at $292.30/mo causing the discrepancy.     (2019-08-15): NEW CONSTRUCTION. TAX CERT REFLECTS LAND ONLY TAXES WHICH WE DO NOT USE TO QUALIFY A BORROWER. 1.25% OF SALES PRICE IS WHAT IS USED WHICH IS WHAT WAS USED TO QUALIFY THE BORROWER AND ESTABLISH THE ESCROW ACCOUNT. NOTHING TO PROVIDE. (2019-08-15): AMC received an attestation for taxes used at closing were at 1.25% of sales price for newly constructed property TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
25156674 Purchase Primary 6/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911365 TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/631330) Tax cert in file reflects Semi-Annual County Taxes at $876.90 or $146.15/mo, however, DU and Final CD reflect taxes at exactly twice that amount at $292.30/mo causing the discrepancy.     (2019-08-15): NEW CONSTRUCTION. TAX CERT REFLECTS LAND ONLY TAXES WHICH WE DO NOT USE TO QUALIFY A BORROWER. 1.25% OF SALES PRICE IS WHAT IS USED WHICH IS WHAT WAS USED TO QUALIFY THE BORROWER AND ESTABLISH THE ESCROW ACCOUNT. NOTHING TO PROVIDE. (2019-08-15): AMC received an attestation for taxes used at closing were at 1.25% of sales price for newly constructed property TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
25156674 Purchase Primary 6/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911366 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25472247 Purchase Primary 6/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 11/19/2018 1 13911368 Missing Document: Pay History not provided   The Pay History form provided in the file is blank except the borrower's last name and account number.       (2019-08-15): Pay history provided from 08/14/2018 to 11/01/2018. Exception cleared. Provide missing documentation
25472247 Purchase Primary 6/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 11/19/2018 1 13911369 AUS Findings: All conditions were not met   Evidence of the Capital One Bank USA debt with a balance of $278.00 being paid prior to closing was not provided in the file.       (2019-08-15): DU was rerun without payoff of debt and remains approved.  
25472247 Purchase Primary 6/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 11/19/2018 1 13911370 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.       (2019-08-15): Documentation that MI policy is in force provided. (2019-08-15): The MI verification provided is for a different loan and not the subject loan/borrower. Condition remains outstanding.  
25472247 Purchase Primary 6/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 11/19/2018 1 13911371 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Evidence the MI policy is in force provided - loan is still insured.  
25472247 Purchase Primary 6/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Credit Credit Eligibility Credit Open   2 13911372 Public Record Issue: Credit Report: Original // Public Record Type: Collections / Balance: 1845.00, Credit Report: Original // Public Record Type: Collections / Balance: 121.00, Credit Report: Original // Public Record Type: Collections / Balance: 29.00            
25472247 Purchase Primary 6/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911373 Alimony Child Support Maintenance Income Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance income verification requirement not met. (XXX (employer unknown)/Child Support) The borrower provided a 6-month history of receiving regular and timely spousal and child support in accordance to the AUS condition. Appendix Q requires a 12-month history.          
25472247 Purchase Primary 6/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911375 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. The Lender's Compliance report reflects the loan was a High Priced Qualified Mortgage at origination. Compliance was run using the Loan Designation of Temporary HPQM.         Lender to provide updated ATR/QM status
25472247 Purchase Primary 6/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Appraisal Reconciliation Value Discrepancy Property Open   3 13911377 Loan is missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25889725 Purchase Primary 7/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/15/2019 1 13911378 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is insured, please capture info. (2019-08-15): Evidence provided that MI remains in force.  
25889725 Purchase Primary 7/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 01/03/2019 1 13911380 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $21.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $21.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.         Final CD evidences Cure
25889725 Purchase Primary 7/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 13911381 AUS Findings: Combined loan to value discrepancy. Calculated combined loan to value percentage of 105.37433% exceeds AUS combined loan to value percentage of 105.00000%. The 2nd lien/down payment assistance program funds were originally captured as $18,400. The correct amount for the 2nd lien is $19,400 which results in a CLTV of 105.374%. This CLTV exceeds the guideline maximum of 105%. This was also the defect reason disclosed.          
25889725 Purchase Primary 7/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 01/15/2019 1 13911382 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.         (2019-08-15): Loan is insured, please clear. (2019-08-15): Evidence provided that MI is still in force.  
25889725 Purchase Primary 7/XX/2018 NV $XXX Loan Review Complete 08/15/2019 Appraisal Reconciliation Value Discrepancy Property Open   3 13911383 Loan is missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25212990 Purchase Primary 8/XX/2017 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911384 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 08/XX/2017 Disaster End Date: 09/XX/2017 Disaster Name: HURRICANE HARVEY Disaster Declaration Date: 08/XX/2017            
25212990 Purchase Primary 8/XX/2017 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Loan File Credit Open   3 13911385 Missing Document: Hazard Insurance Policy not provided           (2019-08-15): The HOI information provided is from the current renewal -- we need the insurance information for the policy that was in force at the tie time the loan closed. Condition remains. Provide missing documentation
25212990 Purchase Primary 8/XX/2017 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/11/2019 1 13911386 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is insured, please capture MI info. (2019-08-15): Evidence provided that MI is still in force.  
25212990 Purchase Primary 8/XX/2017 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911389 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2017 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/08/XX/2017) Final Closing Disclosure provided on 08/XX/2017 is under disclosed due to three Title fees in section H totaling $332.20 hitting the APR.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
25212990 Purchase Primary 8/XX/2017 TX $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 01/11/2019 1 13911391 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.         (2019-08-15): Loan is insured. (2019-08-15): Evidence provided that MI is still in force.  
25212990 Purchase Primary 8/XX/2017 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911393 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911429 Missing Document: Pay History not provided   Pay history missing from 01/XX/2017 to 12/XX/2018.       (2019-08-15): Pay history provided from 12/27/2016-12/28/2018; exception cleared. Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911432 Missing Document: General Services Administration (GSA) not provided           (2019-08-15): GSA search included in the Fraud report. Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911436 Missing Document: Limited Denials of Participation (LDP) not provided           (2019-08-15): LDP search included in the Fraud report. Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911440 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 10/XX/2015 Disaster End Date: 10/XX/2017 Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017            
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13911443 FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required. Borrower's total contribution is 2.00000% ($4,000.00).            
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911446 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is uninsured, we have received the full curtailment information. Please update information. (2019-08-15): Loan is not insured - evidence of refund of premiums provided.  
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/28/2018 1 13911450 FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents)         (2019-08-15): Received the Condition Commitment. Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/28/2018 1 13911452 FHA Informed Choice Disclosure is missing. Disclosure: FHA - Informed Choice Disclosure (Government Documents)         (2019-08-15): Received the disclosure. Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911454 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Subject loan is not eligible to be insured or guaranteed by FHA.          
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911456 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Document does not appear to have been provided in loan file.         Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911458 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Document does not appear to have been provided in loan file.         Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911459 ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. The initial appraisal disclosure is not located in the loan file.         Provide missing documentation
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/28/2018 1 13911461 FHA - Important Notice to Homebuyer (92900-B) is not compliant. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) Unable to determine if the borrower signed this document due to page 3 is missing from the loan file.       (2019-08-15): Received executed document.  
25000456 Purchase Primary 12/XX/2015 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911466 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25881087 Purchase Primary 12/XX/2015 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911417 Missing Document: Pay History not provided   Pay history missing from 01/XX/2017 to 12/XX/2018.       (2019-08-15): Updated pay history was provided on 12/21/2018 Provide missing documentation
25881087 Purchase Primary 12/XX/2015 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911418 Missing Document: Divorce Decree / Child Support not provided   Previous property located on Vine retained by Ex-wife and excluded from borrower debt; however unable to validate said information noted on 1008 due to missing divorce decree; Quit claim captured.       (2019-08-15): Received copy of divorce decree confirming all info. Provide missing documentation
25881087 Purchase Primary 12/XX/2015 MA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Cleared 12/21/2018 1 13911422 Patriot Act Disclosure is missing Disclosure: Patriot Act Disclosure         (2019-08-15): Received the disclosure. Provide missing documentation
25881087 Purchase Primary 12/XX/2015 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911424 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25881087 Purchase Primary 12/XX/2015 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911426 TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 12/XX/2015 did not disclose number of months for Property Tax under Prepaids. (Final/12/XX/2015) The closing disclosure dated 12/XX/2018 did not disclosure the number of months collected for property taxes.         Letter of Explanation & Corrected Closing Disclosure
25881087 Purchase Primary 12/XX/2015 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911427 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. The loan file was missing evidence of the delivery date for the Hone Loan Toolkit Disclosure.         No Defined Cure
25881087 Purchase Primary 12/XX/2015 MA $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13911434 The Borrower has mortgage late payment(s) within the prior 12 months.   The borrower was 30 days delinquent for the months of 02/2017 and 12/2017.          
25881087 Purchase Primary 12/XX/2015 MA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911444 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 01/04/2019 1 13911476 Missing Document: Pay History not provided   Pay history missing from 04/XX/2017 to 12/XX/2018.       (2019-08-15): Pay history provided from 02/22/2017 to 12/03/2018; exception cleared. (2019-08-15): Pay history provided from 11/01/2017 to 12/03/2018. Pay history still missing from 04/01/2017 to 11/01/2017. Provide missing documentation
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911477 Missing Document: General Services Administration (GSA) not provided           (2019-08-15): GSA searches included in the Fraud report. Provide missing documentation
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911478 Missing Document: Limited Denials of Participation (LDP) not provided           (2019-08-15): LDP searches included in the Fraud Report. Provide missing documentation
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911479 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2017)            
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911481 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. The borrower did not provide sufficient documentation to validate the required reserve amount.          
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911482 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower. .         Provide missing documentation
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911483 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2017) Cure for 0% tolerance violation ($561.44) was not provided.         Letter of Explanation & Corrected Closing Disclosure
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911484 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $65.49 exceeds tolerance of $60.00. Insufficient or no cure was provided to the borrower. (7520) Zero Percent Fee Tolerance exceeded for Credit Report Fee Amount of $65.49 exceeds tolerance of $60.00. Insufficient cure of $225.03 for $561.44 in excessive fees was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911485 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) Percent Fee Tolerance exceeded for Survey Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient cure of $225.03 for $561.44 in excessive fees was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911486 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $155.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7726) Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee Amount of $155.95 exceeds tolerance of $0.00. Insufficient cure of $225.03 for $561.44 in excessive fees was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911487 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 01/XX/2017 Disaster End Date: 10/XX/2017 Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017            
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13911488 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.             Provide missing documentation
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/07/2019 1 13911489 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Please provide proof of insured loan and/or refund of all premiums paid.     (2019-08-15): We have received enough evidence that all funds have been refunded to the borrower. Loan is uninsured, please update information. (2019-08-15): Per client the loan is not insured - received copy of letter going to borrower to explain this and premiums are being refunded against loan balance.  
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911490 FHA - Amendatory Clause is not compliant. Disclosure: FHA - Amendatory Clause (Government Documents) Missing seller's signature.          
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911491 FHA - Informed Choice Disclosure was not provided within three days of the application date. Disclosure: FHA - Informed Choice Disclosure (Government Documents)            
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911492 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents) Missing seller's and broker's signatures.          
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911494 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514480) There is an employment gap from 01/XX/2017-01/XX/2017 without a letter of explanation.     (2019-08-15): Not required. FHA guiidelines require GAPS greater than 6 months be addressed. (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/2014693) (2019-08-15): The condition is a result of the AUS conditions not being met. When the AUS reserve requirement is met and the AUS is eligible, the loan will be tested as Agency Salable and the explanation for the gap in employment history will not be required.  
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911495 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Loan was originated as FHA insured and compliance was evaluated using the originally intended Loan Designation of HUD Safe Harbor QM though the loan is no longer insured.         Lender to provide updated ATR/QM status
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911496 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. The Lender used $-206.00 for the negative rental income when $-411.76 was confirmed by audit.          
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911497 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 62.16600%, LTV/CLTV: 93.24053%/93.24053%, Credit Score: 641, Occupancy: Primary, Purpose: Purchase, Unable to determine ability to repay due to missing guidelines.       (2019-08-15): Updated from: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 62.16600% DTI, 93.24053%/93.24053% LTV/CLTV, 641 Credit Score, Occupancy: Primary, Purpose: Purchase,  
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911498 Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 62.16600% exceeds Guideline total debt ratio of 50.00000%. The Lender used $-206.00 for the negative rental income when $-411.76 was confirmed by audit.          
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911499 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Loan had excessive DTI and a 30 day gap without an explanation in 2 year employment history.          
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911500 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13911501 Missing Document: Credit Report - Post Close not provided             Provide missing documentation
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Open   3 13911502 Income documentation requirements not met according to the AUS in file. Decision System: DU A letter of explanation fo the borrower gap in employment was not provided.     (2019-08-15): Not required. FHA guidelines require GAPS greater than 6 months be addressed. (2019-08-15): The condition is a result of the AUS conditions not being met. When the AUS reserve requirement is met and the AUS is eligible, the loan will be tested as Agency Salable and the explanation for the gap in employment history will not be required.  
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911503 AUS Findings: All conditions were not met   The borrower did not meet the reserve requirement and did not provide an explanation for their gap in employment.          
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Eligibility Credit Open   2 13911504 Public Record Issue: Credit Report: Original // Public Record Type: Collections / Balance: 284.00            
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Cleared 01/02/2019 1 13911505 Title Error: Title vesting does not concur with deed   The Final Title and Deed lists the borrower only while the Mortgage lists the borrower and spouse.       (2019-08-15): Spouse was disclosed on the Mortgage as required by the state of Florida. Spouse was not required to be included on the final title policy.  
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Asset Asset Calculation / Analysis Credit Open   3 13911506 AUS Findings: Available for Reserves discrepancy. Calculated Available for Reserves of $1,705.50 is less than AUS Available for Reserves of $2,291.00.       (2019-08-15): CD shows borrower needed $176.94 + $15000 gift. Final AUS shows borrowers needed $15091. Difference is $85.94 and is well within HUD tolerances. Nothing will be provided for this. (2019-08-15): AUS required 2 months reserves; documentation in file verified 1+ months. The appraisal fee paid before closing of $500.00 was not verified as being paid prior to the asset statements in the file and is included in the total cash needed to close from the borrower. Verification of the paid before closing fees is required to clear/cure the condition. Condition remains  
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911507 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) Cure for the Appraisal Re-Inspection Fee of $150.00 was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25566295 Purchase Primary 2/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911508 General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 62.16600% significantly exceeds the guideline maximum of 50.00%. (DTI Exception cannot be compensated to a lower grade.)            
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911513 Missing Document: Pay History not provided   Pay history missing from 06/XX/2017 to 12/XX/2018.       (2019-08-15): Updated pay history was provided for this loan. Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911515 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 03/XX/2017 Disaster End Date: 10/XX/2017 Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017            
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 12/28/2018 1 13911517 AUS Findings: All conditions were not met   Per DU condition #38, the transfer of the gift was to be documented. There is no verifiable evidence of the gift funds in the amount of $1,900.00 having been transferred/received. Omitted amount from assets.       (2019-08-15): Received wire transfer confirmation reflecting transfer of the gift funds directly from the donor to the title company.  
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/02/2019 1 13911519 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is uninsured, we have received enough proof. please update info. (2019-08-15): Per the client, the loan is uninsured and the borrower received a refund for the MI payments made  
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Asset Asset Documentation Credit Cleared 12/21/2018 1 13911521 Asset documentation requirements not met according to Decision System Input. All documentation requirements for DU were not met. Per DU condition #38, the transfer of the gift was to be documented. There is no verifiable evidence of the gift funds in the amount of $1,900.00 having been transferred/received. Omitted amount from assets.       (2019-08-15): Received wire confirmation for transfer of the gift funds directly to the title company.  
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13911523 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Cleared 01/02/2019 1 13911525 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.         (2019-08-15): Loan is uninsured, please clear. (2019-08-15): Per the client, the loan is uninsured and the borrower received a refund for the MI payments made Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911527 FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents)         (2019-08-15): Received document. Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911529 Important Notice to Homebuyer (92900-B) is missing. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)         (2019-08-15): Received document. Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911531 FHA Informed Choice Disclosure is missing. Disclosure: FHA - Informed Choice Disclosure (Government Documents)         (2019-08-15): Received disclosure. Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911534 FHA Loan Transmittal (92900-LT) is missing. Disclosure: FHA - Loan Transmittal (92900-LT) (Government Documents)         (2019-08-15): Received document. Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911535 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents) FHA - Real Estate Certification is not compliant due to missing the real estate broker signature.          
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911536 FHA MIP Error: Missing evidence of case number assignment date.   Missing FHA Case Number Assignment.       (2019-08-15): Received case number assignment. Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/21/2018 1 13911539 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.         (2019-08-15): Received case number assignment. Provide missing documentation
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911545 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Loan is uninsurable property flip.          
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911550 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Higher Priced QM. Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.         Lender to provide updated ATR/QM status
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911553 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13911555 The Borrower has mortgage late payment(s) within the prior 12 months.   The borrower was 30 days delinquent for the months from 09/2017 to 11/2017.          
25709383 Purchase Primary 5/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/28/2018 1 13911557 FHA - Informed Choice Disclosure was not provided within three days of the application date. Disclosure: FHA - Informed Choice Disclosure (Government Documents)       (2019-08-15): Both initial and final disclosures provided (2019-08-15): Received initial disclosure which met timing requirements.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911510 Missing Document: Pay History not provided   Pay history missing from 09/XX/2017 to 12/XX/2018       (2019-08-15): Pay history provided from 08/03/2017-12/13/2018; exception cleared. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Cleared 01/02/2019 1 13911511 Missing Document: Missing Lender's Initial 1003           (2019-08-15): Client provided a copy of the initial 1003. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911512 Missing Document: Purchase Agreement / Sales Contract not provided           (2019-08-15): Complete purchase agreement provided. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911514 Missing Document: Fraud Report not provided           (2019-08-15): Fraud report provided. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911516 Missing Document: General Services Administration (GSA) not provided           (2019-08-15): GSA search included in Fraud report. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911518 Missing Document: Limited Denials of Participation (LDP) not provided           (2019-08-15): LDP search included in fraud report. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 12/28/2018 1 13911520 AUS Findings: Qualifying asset balance discrepancy. Calculated qualifying asset balance of $11,617.07 is less than AUS qualifying asset balance of $21,058.54. Missing verification of borrower's retirement account totaling $9,941.47.       (2019-08-15): Verification of borrower's 401K account received.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911522 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017 Disaster End Date: 10/XX/2017            
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 12/28/2018 1 13911524 AUS Findings: All conditions were not met   Missing borrower's retirement account statement and VOEs to confirm 2 years employment.       (2019-08-15): Received verification of borrower's 401K account and docs to complete employment verification.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Cleared 12/28/2018 1 13911526 Purchase contract date not provided.   Missing purchase agreement.       (2019-08-15): Received purchase agreement.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Waived 01/07/2019 3 13911528 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.         (2019-08-15): Loan is uninsured, please waive. (2019-08-15): Loan is not insured - waiving at the direction of the client. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/07/2019 1 13911530 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is uninsured, we have received sufficient proof. Please update information. (2019-08-15): Client has indicated loan is not insured and provided the correspondence to the borrower regarding refund of premiums.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 12/21/2018 1 13911532 Income documentation requirements not met according to the AUS in file. All documentation requirements for DU were not met. Missing VOEs to confirm 2 years employment       (2019-08-15): Received Work # results for both jobs.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Asset Asset Documentation Credit Cleared 12/28/2018 1 13911533 Asset documentation requirements not met according to Decision System Input. All documentation requirements for DU were not met. Missing borrower's retirement account statement.       (2019-08-15): Received 401K Statement.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Cleared 12/21/2018 1 13911537 Valuation Error: Subject square feet not provided. Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 Due to incomplete appraisal, Square Feet is blank.       (2019-08-15): Received complete 1004 and information was completed.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Cleared 12/21/2018 1 13911541 Valuation Error: Valuation effective date was not provided. Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 Due to incomplete appraisal, Effective Date is blank.       (2019-08-15): Received complete 1004 and information was completed.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Cleared 12/21/2018 1 13911542 Construction Status for the Primary Valuation was not provided. Any applicable Federal, State or Local compliance testing are tested as existing construction. Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 Due to incomplete appraisal, Construction Status is blank.       (2019-08-15): Received complete 1004 and information was completed.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Cleared 12/21/2018 1 13911544 Patriot Act Disclosure is missing Disclosure: Patriot Act Disclosure         (2019-08-15): Received disclosure. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911546 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)         (2019-08-15): Received disclosure. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911547 Final HUD Addendum 92900-A is missing. Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents)         (2019-08-15): Received document. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911548 Important Notice to Homebuyer (92900-B) is missing. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)         (2019-08-15): Received disclosure. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911549 FHA Informed Choice Disclosure is missing. Disclosure: FHA - Informed Choice Disclosure (Government Documents)         (2019-08-15): Received disclosure. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911551 Initial HUD Addendum 92900-A is missing. Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)           Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911552 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)         (2019-08-15): Received disclosure. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911554 Builder's Certification is missing. Disclosure: FHA - Builder's Certification of Plans, Specifications & Site (92541) (Government Documents)         (2019-08-15): Received completed form. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Data Integrity Credit Cleared 12/21/2018 1 13911556 Possible FIRREA violation, appraisal is not complete and may not offer substantial backing for value. Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017         (2019-08-15): Received complete 1004.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Data Integrity Credit Cleared 12/21/2018 1 13911559 Valuation Error: Appraiser did not complete analysis of the subject's prior sale and transfer history. Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 Due to incomplete appraisal, Analysis of Prior Sale / Transfer History is blank.       (2019-08-15): Received complete 1004.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Cleared 12/21/2018 1 13911561 Appraisal does not support the appraised value. Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 Appraisal is incomplete.       (2019-08-15): Received complete appraisal.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911562 Part-Time Two Year History Qualified Mortgage (Dodd-Frank 2014): Use of Part-Time income for less than two (2) years not justified or documented. (XXX,XXX/Wages)         (2019-08-15): Borrower has 2+ yr history documented - using a lesser average which has been justified by the uw.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911563 ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2017)            
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911564 Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.69160% or Final Disclosure APR of 5.72600% is in excess of allowable threshold of APOR 3.92% + 1.5%, or 5.42000%. Non-Compliant Higher Priced Mortgage Loan.         (2019-08-15): Appraisal received and loan is HPML compliant now.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911565 TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.         (2019-08-15): Appraisal received.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911566 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2017)         (2019-08-15): Appraisal received.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911567 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.         (2019-08-15): Updated from: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911568 Appraisal Flipped Property Missing Information Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements.         (2019-08-15): Purchase contract received so date could be established. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/02/2019 1 13911569 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2017 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2017.         (2019-08-15): Client provided a copy of the initial 1003. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/02/2019 1 13911571 TILA NMLSR - Originator Company Not Licensed at time of Application Unable to test LO company NMLS license due to missing information.         (2019-08-15): Client provided a copy of the initial 1003.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/02/2019 1 13911572 Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Unable to test Loan Originator license due to missing information.         (2019-08-15): Client provided a copy of the initial 1003.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/02/2019 1 13911573 TILA NMLSR - Individual Originator License Status Not Approved Unable to test Individual Loan Originator license status due to missing information.         (2019-08-15): Client provided a copy of the initial 1003.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 01/02/2019 1 13911574 TILA NMLSR - Originator Company License Status Not Approved Unable to test LO company status due to missing information.         (2019-08-15): Client provided a copy of the initial 1003.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911575 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.         (2019-08-15): Guideline provided. Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911576 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911577 RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.           Provide missing documentation
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/21/2018 1 13911579 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/XXX/2015875) Missing VOE's to confirm Employment Dates to verify two years current employment.       (2019-08-15): Received VOEs  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911580 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. There is no evidence that the creditor provided the consumer with the right to receive a copy of the Appraisal Disclosure.         Good faith redisclosure
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911581 TRID Appraisal Disclosure - HPML Status HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. There is no evidence that the creditor provided the consumer with the right to receive a copy of the Appraisal Disclosure.       (2019-08-15): Borrower was provided the right to receive the appraisal. Good faith redisclosure
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911582 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Subject loan is not eligible to be insured or guaranteed by FHA due to missing asset and income documentation.       (2019-08-15): Received the missing income and asset documentation. (2019-08-15): File is still missing documentation - condition remains.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911583 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. Lender to provide updated ATR/QM status
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911584 TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure. There is no evidence that the creditor provided the consumer with the Servicing Disclosure.         Good faith redisclosure
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911585 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. There is no evidence that the creditor provided the consumer with the Your Home Loan Toolkit Disclosure         No Defined Cure
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911586 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/07/XX/2017) There is no evidence that the creditor provided the consumer with the Closing Disclosure at least three (3) business days prior to closing.         No Defined Cure
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911587 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,042.97 may be required. Loan Estimate not provided within loan images to evidence delivery to the Borrower.         No Defined Cure
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/21/2018 1 13911588 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX,XXX/Wages) Missing VOE's to verify current Wages/W-2 employment status using reasonably reliable third-party records.       (2019-08-15): Received Work # results for both jobs.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911589 General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX,XXX/Wages) Missing VOE's to verify current Wages/W-2 employment status using reasonably reliable third-party records.       (2019-08-15): Received VOEs from work number for both of borrower's jobs.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911590 NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing borrower's retirement account statement and VOEs to confirm 2 years employment       (2019-08-15): Received borrower's 401K statement and VOEs for both jobs from the Work Number.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911591 TRID Final Closing Disclosure Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $1,016.62 on Final Closing Disclosure provided on 07/XX/2017 not accurate. (Final/07/XX/2017) The CD indicates property taxes in the amount of $50 / month while the DU reflects $223.85 / month. Used more conservative higher amount.         Letter of Explanation & Corrected Closing Disclosure
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911592 TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2017 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/739585) The CD indicates property taxes in the amount of $50 / month while the DU reflects $223.85 / month. Used more conservative higher amount.       (2019-08-15): Updated from: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/27/2017 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/629955) TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911593 TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2017 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/739585) The CD indicates property taxes in the amount of $50 / month while the DU reflects $223.85 / month. Used more conservative higher amount.       (2019-08-15): Updated from: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/27/2017 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/629955) TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911594 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Total Debt to Income Ratio exceeds 43% at 43.15%.       (2019-08-15): AUS approved DTI over 43% and loan now meets AUS requirements.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911595 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/28/2018 1 13911596 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 43.15821% DTI, 96.49977%/96.49977% LTV/CLTV, 653 Credit Score, Occupancy: Primary, Purpose: Purchase, Because loan does not currently meet the AUS requirements, it is subject to ATR review which cannot be completed due to missing information.       (2019-08-15): Missing employment and asset documentation received and AUS now met.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911597 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/XX/2017 Disaster End Date: 10/XX/2017 Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017            
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/02/2019 1 13911598 FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) Because the loan file is missing the initial 1003, it is not possible to determine if document was issued timely or not.       (2019-08-15): Client provided a copy of the initial 1003.  
25531404 Purchase Primary 7/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/02/2019 1 13911599 FHA - Informed Choice Disclosure was not provided within three days of the application date. Disclosure: FHA - Informed Choice Disclosure (Government Documents) Because the loan file is missing the initial 1003, it is not possible to determine if the disclosure was issued timely or not.       (2019-08-15): Client provided a copy of the initial 1003.  
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911602 Missing Document: Pay History not provided   Pay history missing from 07/XX/2018 to 12/XX/2018       (2019-08-15): Updated pay history was received on 12/21/2018. Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911603 Missing Document: General Services Administration (GSA) not provided           (2019-08-15): GSA searches included in the fraud report. Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911604 Missing Document: Limited Denials of Participation (LDP) not provided           (2019-08-15): LDP check included on the fraud report. Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Cleared 01/02/2019 1 13911605 Missing Document: Missing Lender's Initial 1003           (2019-08-15): Initial 1003 was provided Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/02/2019 1 13911606 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): The loan is uninsured. We have sufficient proof, please update information. (2019-08-15): Per the client, the loan is uninsured and the borrower received a refund for the MI payments made  
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Document Error General Credit Open   3 13911607 VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by Lender between the application date and the loan closing date. Disclosure: VA Addendum to the Loan Application 26-1802a (Government Documents) Originator App Date: 03/XX/2018 Creditor App Date: 03/XX/2018 Disclosure signed by Lender: 05/XX/2018 The Lender signed on 5/XX/2018 and the loan closed on 4/XX/2018.          
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Open   2 13911608 Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date 06/XX/2018, Note Date 04/XX/2018            
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Cleared 01/02/2019 1 13911609 The file does not contain evidence the lender complied with the VA Required Search Requirements for and Treatment of Debts Owed to the Federal Government.           (2019-08-15): The file contained the applicable verification required.  
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   2 13911611 The file is missing evidence of the Total Monthly Income taxes used by lender to calculate the VA Residual Income.             Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 12/21/2018 1 13911612 Income Docs Missing: Borrower: XXX VVOE - Employment Only VVOE - Employment Only Verbal verification of employment was not provided for both borrowers.       (2019-08-15): Received VVOEs for both borrowers. Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911613 Certificate of Eligibility is missing. Disclosure: VA - Certificate of Eligibility (Government Documents)         (2019-08-15): Received the borrower's Cert of Eligibility. Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911614 VA Loan Analysis Worksheet Form 26-6393 is missing. Disclosure: VA - Loan Analysis Worksheet Form 26-6393 (Government Documents)         (2019-08-15): Received the VA Loan Analysis. Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911615 VA Loan Disbursement Form 26- 1820 is missing. Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents)         (2019-08-15): Received the VA Loan Disbursement. Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/02/2019 1 13911616 Loan Guaranty Certificate is missing. Disclosure: VA - Loan Guaranty Certificate (Government Documents)       (2019-08-15): Loan is uninsured. Please clear. (2019-08-15): Per the client, the loan is uninsured and the borrower received a refund for the MI payments made Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/21/2018 1 13911617 VA Notice of Reasonable Value/CRV Form 26-1843 is missing. Disclosure: VA - Notice of Value (Government Documents)         (2019-08-15): Received the NOV. Provide missing documentation
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 12/28/2018 1 13911618 AUS Findings: All conditions were not met   AUS required a verification of employment for both borrower's which was not located in the loan file.       (2019-08-15): VVOEs received for both borrowers and AUS requirements now met.  
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911619 Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.            
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911620 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. Loan was originated as VA insured and compliance was evaluated using the originally intended Loan Designation of VA Safe Harbor QM though the loan is no longer insured.         Lender to provide updated ATR/QM status
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911621 VA QM Eligibility VA Qualified Mortgage (Dodd-Frank 2014) Subject loan is not eligible to be insured or guaranteed by VA. Ineligible due to unspecified underwriting issue which was disclosed as the defect by the client.       (2019-08-15): Loan is ineligible to be insured - condition remains.  
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/21/2018 1 13911622 TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2018) The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded.       (2019-08-15): AMC received valid changed circumstance for increase in transfer taxes. Letter of Explanation & Corrected Closing Disclosure
25349161 Refinance Cash-out - Debt Consolidation Primary 4/XX/2018 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/21/2018 1 13911623 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,376.59 exceeds tolerance of $1,236.00. Insufficient or no cure was provided to the borrower. (8304) The loan file did not contain a cure in the amount of $140.59 for exceeding the tolerance for the Transfer taxes.       (2019-08-15): AMC received valid changed circumstance for increase in transfer taxes. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911625 Missing Document: Pay History not provided   Pay history missing from 08/XX/2017 to 12/XX/2018.       (2019-08-15): Pay history provided from 06/29/2017-12/20/2018; exception cleared. Provide missing documentation
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13911626 Missing Document: Missing Lender's Initial 1003           (2019-08-15): The document provided was the final 1003 which was already in the loan file; however, the initial 1003 has still not been received. Condition remains. Provide missing documentation
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911627 Missing Document: General Services Administration (GSA) not provided             Provide missing documentation
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Cleared 01/02/2019 1 13911628 Missing Document: Mortgage Insurance Certificate (MIC) not provided         (2019-08-15): loan is uninsured, please clear. (2019-08-15): Per the client, the loan is uninsured and the borrower received a refund for the MI payments made. Provide missing documentation
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911629 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/XX/2017 Disaster End Date: 10/XX/2017 Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017            
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/02/2019 1 13911630 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): We have enough proof showing loan is uninsured. please update information. (2019-08-15): Per the client, the loan is uninsured and the borrower received a refund for the MI payments made.  
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/02/2019 1 13911633 Request for Single Family Housing Loan Guaranty (RD 3555-21) is missing. Disclosure: USDA - Request for Single Family Housing Loan Guaranty (RD 3555-21) (Government Documents)         (2019-08-15): Client provided a copy of the disclosure Provide missing documentation
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 03/26/2019 1 13911635 TRID Closing Disclosure Total Closing Costs Exceeds Limits Amount TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on 06/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Initial/06/XX/2017) Closing Disclosure provided on 06/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table.       (2019-08-15): Seller paid fee's. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911636 TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2017) Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.         Letter of Explanation & Corrected Closing Disclosure
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/07/2018 1 13911637 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company Fee. Fee Amount of $375.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. (7510) Tolerance exceeded for Appraisal Management Company Fee. Fee Amount of $375.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing.         Final CD evidences Cure
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/07/2018 1 13911638 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.         Final CD evidences Cure
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/07/2018 1 13911639 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $925.06 exceeds tolerance of $922.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) Tolerance exceeded for Transfer Tax. Fee Amount of $925.06 exceeds tolerance of $922.00. Sufficient or excess cure was provided to the borrower at Closing.         Final CD evidences Cure
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911640 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company Fee. Fee Amount of $375.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. (7510) No cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911641 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) No cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25564866 Purchase Primary 6/XX/2017 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911642 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $925.06 exceeds tolerance of $922.00. Insufficient or no cure was provided to the borrower. (8304) No cure was provided to the borrower.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/21/2018 1 13911645 Missing Document: Pay History not provided   Missing pay history from 09/XX/2017 to 12/XX/2018       (2019-08-15): Updated pay history was provided on 12/21/2018. Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Cleared 01/02/2019 1 13911646 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.         (2019-08-15): Loan is uninsured, please clear. (2019-08-15): Per the client, the loan is uninsured and the borrower received a refund for the FHA funding fee and monthly MI payments made. Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/02/2019 1 13911647 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): We have received sufficient proof that the loan is uninsured. Please update information. (2019-08-15): Per the client, the loan is uninsured and the borrower received a refund for the FHA funding fee and monthly MI payments made.  
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/28/2018 1 13911648 FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents)         (2019-08-15): Conditional Commitment received. Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/20/2018 1 13911649 Final HUD Addendum 92900-A is missing. Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents)         (2019-08-15): Received fully executed document - no issues. Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911650 Important Notice to Homebuyer (92900-B) is missing. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)         (2019-08-15): The Notice to Homeowner provided in the trailing documents is not the 92900-B Important Notice to Homebuyer. The condition remains outstanding. (2019-08-15): Nothing new provided - condition remains. Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/20/2018 1 13911651 FHA Informed Choice Disclosure is missing. Disclosure: FHA - Informed Choice Disclosure (Government Documents)         (2019-08-15): Received executed disclosure, however it was not provided within 3 days so a separate exception has been set for that issue. Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911652 Initial HUD Addendum 92900-A is missing. Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)           Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/20/2018 1 13911653 FHA Loan Transmittal (92900-LT) is missing. Disclosure: FHA - Loan Transmittal (92900-LT) (Government Documents)         (2019-08-15): Received the Lon Transmittal. Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911654 FHA MIP Error: Missing evidence of case number assignment date.   Missing FHA MIP Case Number Assignment         Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911655 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911656 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Appraisal re-cert was completed after original appraisal expiration date.          
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 12/07/2018 1 13911657 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $35.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75208) Verification Fee Amount of $35.95 exceeded tolerance and an excess cure of $68.15 was provided to the borrower at Closing         Final CD evidences Cure
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911658 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM         Lender to provide updated ATR/QM status
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911659 TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 07/XX/2017 disclosed a negative fee amount. (Final/07/XX/2017) A Lender Credit for the appraisal increase was noted in section H of the CD.         Letter of Explanation & Corrected Closing Disclosure
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911660 TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/07/XX/2017) Final Closing Disclosure provided on 07/XX/2017 disclosed Closing Costs Financed in the amount of $4,900.00 that does not match the calculated amount of closing costs financed of $10,763.61.         Letter of Explanation & Corrected Closing Disclosure
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911661 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25786095 Refinance Cash-out - Other Primary 7/XX/2017 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911662 FHA - Informed Choice Disclosure was not provided within three days of the application date. Disclosure: FHA - Informed Choice Disclosure (Government Documents) The Informed Consumer Choice disclosure, dated 7/XX/2017, was not provided to the borrower within 3 days of the application dated 6/XX/2017          
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911663 Missing Document: Pay History not provided   Missing pay history from 01/XX/2017 to 12/XX/2018.       (2019-08-15): Updated pay history was received on 12/28/2018. Provide missing documentation
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/28/2018 1 13911664 Missing Document: Mortgage Loan Payoff Statement not provided   Title Commitment reflects the property was held free & clear.     (2019-08-15): If the Title Commitment reflects the property was held free & clear, why are we stipping for this? (2019-08-15): Property is owned free and clear as confirmed by title and CD indicated no payoffs. No payoff required. Provide missing documentation
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911665 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 12/XX/2015 Disaster End Date: 10/XX/2017 Disaster Name: HURRICANE IRMA Disaster Declaration Date: 09/XX/2017            
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Open   3 13911666 Insufficient Coverage: Hazard insurance coverage amount is insufficient.         (2019-08-15): Dwelling shows coverage of 210,000.00 Why is this not sufficient? (2019-08-15): FNMA requires coverage in the amount of the lesser of a) 100% of the insurable value of the improvements as established by the property insurer or b) the unpaid principal balance of the mortgage as long as it at least equals 80% of the insurable value of the improvements. The current coverage does not meet this minimum calculation; however, if the insurable value is obtained from the insurer, the coverage can be re-evaluated.  
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 13911667 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 91.74889% exceeds AUS total debt ratio of 49.90000%. The lender calculated rental income using only the Schedule E from the 2014 Federal Tax Return when Appendix Q requires a 24 month review.          
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 12/21/2018 1 13911669 AUS Findings: All conditions were not met   Income calculations were not completed in accordance with Appendix Q.       (2019-08-15): The AUS findings were met; however Appendix Q was not - since this condition is specific to AUS it is being cleared.  
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911670 Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 91.74889% exceeds Guideline total debt ratio of 50.00000%. The lender calculated rental income using only the Schedule E from the 2014 Federal Tax Return when Appendix Q requires a 24 month review.          
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Open   3 13911671 Income Docs Missing: Borrower: XXX Borrower: XXX P&L Statement Balance Sheet, P&L Statement           Provide missing documentation
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911672 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) P&L's and balance sheets were not provided in the loan file.          
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911673 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) P&L's and balance sheets were not provided in the loan file.          
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911674 Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) P&L's and balance sheets were not provided in the loan file.          
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   3 13911675 Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)            
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   3 13911677 Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)            
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   3 13911678 Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)            
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   3 13911680 Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)            
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   3 13911683 Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)            
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   3 13911685 Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)            
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911687 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/XXX/2514512) P&L's and balance sheets were not provided in the loan file.       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/XXX/2020351)  
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911688 QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/XXX/2514513) P&L's and balance sheets were not provided in the loan file.       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/XXX/2020352)  
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911690 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/01/XX/2016) The borrowers' acknowledged receiving the appraisal on 12/XX/2015. The appraisal report date is 1/XX/2016.          
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911694 General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 91.74889% significantly exceeds the guideline maximum of 50.00%. (DTI Exception cannot be compensated to a lower grade.)            
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911696 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. The Lender's compliance report reflects the loan was presumed to be a Qualified Mortgage, Agency Eligible and not High-Priced at origination. Compliance was run using the Loan Designation of Temporary SHQM (GSE/Agency Eligible).         Lender to provide updated ATR/QM status
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911698 TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2016 did not disclose number of months for Property Tax under Prepaids. (Final/01/XX/2016) The CD does not disclose the amount paid for property taxes is for 12 months.         Letter of Explanation & Corrected Closing Disclosure
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911700 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $68.38 exceeds tolerance of $60.00. Insufficient or no cure was provided to the borrower. (7520) Cure for Survey Fee of $350.00 was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911701 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) Cure for Survey Fee of $350.00 was not provided.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911702 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. The loan file does not contain P&L's and balance sheets for the borrowers businesses, lease agreements for the investment properties. The lender only used the 2014 schedule E to calculate the rental income when Appendix Q requires a 24 month review.          
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911704 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. The lender only used the 2014 schedule E to calculate the rental income when Appendix Q requires a 24 month review. Qualifying Net Rental Income is $2,183.00. The verified Net Rental Income $799.89.       (2019-08-15): Nothing new provided with regards to this - although loan met DU requirements, it does not meet appendix Q.  
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911705 TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2016 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/01/XX/2016) The Final CD disclosed $1,114.00 as the annual insurance premium when the verified premium is $1,098.00.         Letter of Explanation & Corrected Closing Disclosure
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911706 TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2016) The final CD disclosed the Total Closing Costs exceeded the legal limit by $8.38. The Total Closing Costs Exceeded the legal limit by $358.38         Letter of Explanation & Corrected Closing Disclosure
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 12/21/2018 1 13911707 Income documentation requirements not met according to the AUS in file. All documentation requirements for DU were not met.         (2019-08-15): Requirements for DU were met; however, loan docs do not meet appendix Q.  
25493424 Refinance Cash-out - Debt Consolidation Primary 1/XX/2016 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911709 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 91.74889%, LTV/CLTV: 43.29268%/43.29268%, Credit Score: 730, Occupancy: Primary, Purpose: Refinance, Cash-out - Debt Consolidation QM/ATR testing performed due to loan not meeting Agency requirements and therefore not being Agency Saleable. Loan does not Meet QM/ATR requirements based on the docs in file as required per DU.          
25629176 Purchase Primary 12/XX/2016 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 01/09/2019 1 13911717 Missing Document: Tax Certificate not provided         (2019-08-15): Tax information attached. (2019-08-15): Loan was for a purchase in California and taxes were computed at 1.25% - no need for a tax cert. Provide missing documentation
25629176 Purchase Primary 12/XX/2016 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911718 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 12/XX/2016 Disaster End Date: 11/XX/2018 Disaster Name: WILDFIRES Disaster Declaration Date: 11/XX/2018 Most recent inspection was field review dated 12/2017; disaster date 11/2018.          
25629176 Purchase Primary 12/XX/2016 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/09/2019 1 13911719 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is insured, please capture info. (2019-08-15): Evidence MI is in force provided.  
25629176 Purchase Primary 12/XX/2016 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 01/09/2019 1 13911720 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.         (2019-08-15): Loan is insured. (2019-08-15): Evidence MI is in force provided.  
25629176 Purchase Primary 12/XX/2016 CA $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Cleared 01/09/2019 1 13911722 Incomplete Document: Pay History is incomplete   Pay history missing 02/XX/2017-12/XX/2017.       (2019-08-15): Updated pay history was provided on 01/09/2019.  
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911767 Missing Document: General Services Administration (GSA) not provided             Provide missing documentation
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/19/2018 1 13911769 Missing Document: Limited Denials of Participation (LDP) not provided           (2019-08-15): LDP search provided. Provide missing documentation
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911770 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Cleared 01/04/2019 1 13911772 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.         (2019-08-15): Loan is uninsured, please clear. (2019-08-15): Loan is not insured and evidence was provided that MIP premiums were refunded to the borrower via principal curtailments. Provide missing documentation
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/19/2018 1 13911773 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is uninsured, all applicable funds reimbursed to the borrower. (2019-08-15): Client has indicated loan is uninsured and all premiums have been refunded to the borrower.  
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911775 FHA MIP Error: Missing evidence of case number assignment date.             Provide missing documentation
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Data Integrity Property Open   3 13911777 Appraiser's license or certification was not active at the time of the appraisal. Valuation Type: Appraisal / Valuation Report Date: 06/XX/2017            
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911778 FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents)           Provide missing documentation
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911781 Lead Based Paint Attachment - Attached to Purchase Contract is missing. Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents)           Provide missing documentation
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911783 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.         Provide missing documentation
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911784 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Subject loan is not eligible to be insured or guaranteed by FHA.          
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 12/04/2018 1 13911786 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.       (2019-08-15): Document in file  
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911787 TRID Final Closing Disclosure Total Closing Costs Exceeds Limits Amount TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Final/08/XX/2017) Final Closing Disclosure provided on 08/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table.         Letter of Explanation & Corrected Closing Disclosure
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13911789 More than one late mortgage payment is present in the last 90 days.   No recent delinquencies, however, loan was 30 days delinquent 02/2018, 60 days delinquent 04/2018 and 90 days delinquent 05/2018. Loan was brought current 06/XX/2018 and remains performing.          
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 12/19/2018 1 13911791 South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not In File) South Carolina Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. The SC Complaint Agency Disclosure in file was not signed by the borrower.       (2019-08-15): Received fully executed copy of disclosure  
25701796 Purchase Primary 8/XX/2017 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 01/04/2019 1 13911792 South Carolina CHL Complaint Agency Disclosure Timing Test South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. There is no conclusive evidence in the loan file of the date the borrower received the SC Complaint Agency Disclosure.       (2019-08-15): Received earlier signed copy of the disclosure.  
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Cleared 12/11/2018 1 13911731 Missing Document: Security Instrument not provided           (2019-08-15): Copy of recorded security instrument provided. Provide missing documentation
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13911733 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911735 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911737 AUS Findings: All conditions were not met   The AUS required gaps in employment be verified/explained. The dates provided for the borrower's prior employer were unable to be verified with images provided creating a seven month gap of employment.     (2019-08-15): Per the 1003 the borrower was employed byXXX from 1998 through 7/2018 he started the new job on 7/XX/2018 per the VVOE. Not seeing a job gap here, what am I missing? (2019-08-15): Yes, the 1003 indicates those dates, but there is nothing in the file to VERIFY the dates on the 1003 which is what is being asked for. If the verification confirms the 1003 then there is no gap and no need for an LOX. If the verification confirms different information than what is on the 1003 then a gap letter may be needed, but we must get the verification from the prior employer first to determine this. (2019-08-15): Other than W2s for 2016 and 2017 there is nothing in the loan file to verify the borrower's dates of employment at his PRIOR employer so it cannot be determined if there actually was a gap. A verbal or written VOE should be obtained to validate his time on the prior job and if there is a gap once the dates are verified, it should also be addressed. Condition remains.  
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13911739 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.             Provide missing documentation
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/11/2018 1 13911740 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is uninsured please see attached. (2019-08-15): Loan is not insured - client has provided evidence the MI premiums have been refunded to the borrower's loan.  
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Cleared 12/11/2018 1 13911743 Patriot Act Disclosure is missing Disclosure: Patriot Act Disclosure         (2019-08-15): Copy of disclosure provided. Provide missing documentation
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/11/2018 1 13911745 FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant. Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) Not signed by lender.       (2019-08-15): Lender signed copy provided.  
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911749 Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.            
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911750 RESPA - Initial Escrow Account Statement Missing Unable to determine if the initial escrow account statement is compliant based on missing information. Initial Escrow Account Statement was missing the date.         Provide missing documentation
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/11/2018 1 13911751 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements File missing the security instrument and thus the notary date which is used for purposes of determining compliance with rescission timing requirements.       (2019-08-15): Security instrument provided.  
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911753 QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514535) The loan file did not provide verification for the borrower's prior employer causing a seven month unexplained gap in employment.       (2019-08-15): Updated from: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2001559)  
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911754 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Missing VOE for borrower's previous employment to complete 2 year employment history.          
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911755 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Loan Designation selected from High Cost Analysis provided in loan file.         Lender to provide updated ATR/QM status
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911756 General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. Condition is due to the loan currently not meeting the AUS requirements.         Provide missing documentation
25733351 Refinance Cash-out - Debt Consolidation Primary 9/XX/2018 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911757 General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 41.21012%, LTV/CLTV: 71.82609%/71.82609%, Credit Score: 613, Occupancy: Primary, Purpose: Refinance, Cash-out - Debt Consolidation Condition is due to the loan currently not meeting the AUS requirements.       (2019-08-15): Updated from: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 41.21012% DTI, 71.82609%/71.82609% LTV/CLTV, 613 Credit Score, Occupancy: Primary, Purpose: Refinance, Cash-out - Debt Consolidation  
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/10/2018 1 13911732 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): sufficient proof the loan is insured, please capture info (2019-08-15): Lender has provided evidence the loan is currently insured.  
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Asset Asset Documentation Credit Open   3 13911734 Guideline Issue: Insufficient asset documentation. Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Savings / Account Number: XXX Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Savings / Account Number: XXX Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Savings / Account Number: XXX Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Checking / Account Number: XXX Only one monthly statement for each account was provided in the loan file. Two months were required by the AUS.          
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911742 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Higher Priced QM. DU reflects the loan met eligibility requirements. Compliance was ran using the presumed designation of Temporary HPQM (GSE/Agency Eligible).         Lender to provide updated ATR/QM status
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/06/2018 1 13911744 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/11/XX/2017) The initial Closing Disclosure was received by the borrowers on Friday, 11/XX/2017, less than 3 business before consummation on Monday, 11/XX/2017.       (2019-08-15): Tracking details show Initial CD sent and received by borrower on 11/02/2018. No Defined Cure
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/27/2018 1 13911746 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7325)           Final CD evidences Cure
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/27/2018 1 13911748 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7355)           Final CD evidences Cure
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/27/2018 1 13911752 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7535)           Final CD evidences Cure
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911759 ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/10/XX/2017)            
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/28/2018 1 13911760 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103)           Final CD evidences Cure
25802392 Refinance Limited Cash-out GSE Primary 11/XX/2017 IL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 12/10/2018 1 13911761 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Lender has provided evidence the MI policy is in force.  
25487382 Purchase Primary 7/XX/2018 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911724 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 06/XX/2018 Disaster End Date: 09/XX/2018 Disaster Name: SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, FLOODING, AND LANDSLIDES Disaster Declaration Date: 10/XX/2018            
25487382 Purchase Primary 7/XX/2018 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911726 ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/07/XX/2018) The Appraisal Report date is 7/XX/2018. The lender correspondence in the file reflects a delivery date of 6/XX/2018.          
25487382 Purchase Primary 7/XX/2018 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911727 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. The Lender's Compliance report reflects the loan was originated as a Qualified Mortgage and not High-Priced at origination. Compliance was run using the Loan Designation of Temporary SHQM (GSE/Agency Eligible).         Lender to provide updated ATR/QM status
25487382 Purchase Primary 7/XX/2018 WI $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 11/30/2018 1 13911729 Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.           (2019-08-15): Lender provided evidence loan is currently insured.  
25487382 Purchase Primary 7/XX/2018 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 11/30/2018 1 13911730 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.         (2019-08-15): Loan is insured, please capture info (2019-08-15): Lender provided evidence loan is currently insured.  
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 10/25/2018 1 13911799 FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant. Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) The Final 92900-A provided was not signed by the Lender.       (2019-08-15): Signed copy of 92900-A was received.  
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 10/25/2018 1 13911800 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents) The Real Estate Certification provided is not signed by the borrower.       (2019-08-15): Paragraph 18 of the purchase agreement contains the RE Cert language and is signed by the borrower.  
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 10/25/2018 1 13911801 FHA - Real Estate Certification was provided at or after closing. Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: 07/XX/2016; Consummation Date: 07/XX/2016 The Real Estate Certification was signed by the seller and Agents on 7/XX/2016 and does not have the borrower's signature.       (2019-08-15): Paragraph 18 of the purchase agreement has the RE Cert language in it and it is signed by the borrower.  
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911802 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. The term was changed from 15 years to 30 years at closing with out be disclosed to the borrower.          
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911803 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. The lender's compliance report does not reflect the loan was high priced. Compliance was run with a loan designation of HUD Safe Harbor QM.         Lender to provide updated ATR/QM status
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911804 TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Neither the initial Loan Estimate dated 6/XX/2016 or a separate RESPA Servicing Disclosure were provided in the file.          
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13911805 Georgia Home Loan (Fee Charged for Payoff Statement) Georgia Home Loan: Impermissible fee charged for payoff statement. The seller was charged a $25.00 Payoff Handling Fee at closing.          
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911806 TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/06/XX/2016) Compliance was ran with the Loan Estimate dated 6/XX/2016. The Loan Estimate dated 6/XX/2016 was not provided in the file.         No Defined Cure
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Open   2 13911812 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25220671 Purchase Primary 7/XX/2016 GA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911814 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911828 Missing Document: General Services Administration (GSA) not provided             Provide missing documentation
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 10/26/2018 1 13911832 Missing Document: Limited Denials of Participation (LDP) not provided           (2019-08-15): LDP searches included in Fraud report and are clear. Provide missing documentation
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 10/26/2018 1 13911835 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): this loan is insured, we have received sufficient proof from the seller. please clear. (2019-08-15): Per client the loan is insured - pay history also shows a disbursement for monthly MIP.  
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 10/26/2018 1 13911838 FHA - Amendatory Clause is not compliant. Disclosure: FHA - Amendatory Clause (Government Documents) FHA - Amendatory Clause is not compliant. Document is missing the seller signature(s), real estate broker signature(s).       (2019-08-15): FHA Addendum to contract contains signed Amendatory Clause.  
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 10/26/2018 1 13911839 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents) FHA - Real Estate Certification is not compliant. Document is missing the seller signature(s) and real estate broker signature(s).       (2019-08-15): FHA Addendum to contract contains signed RE Certification.  
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911840 Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.48850% or Final Disclosure APR of 6.50400% is in excess of allowable threshold of APOR 4.61% + 1.5%, or 6.11000%. Non-Compliant Higher Priced Mortgage Loan. APR on subject loan of 6.48850% or Final Disclosure APR of 6.50400% is in excess of allowable threshold of APOR 4.61% + 1.5%, or 6.11000%.       (2019-08-15): No new information provided - condition remains.  
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911842 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely) TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. Appraisal was performed on 07/XX/2018 and e-mailed to borrower on 07/XX/2018. Report dated 07/XX/2018 which is the same day as the Note.          
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911844 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Subject loan is not eligible to be insured or guaranteed by FHA due to the AUS "Agency Salable" does not reflect Yes.          
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911850 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.         Lender to provide updated ATR/QM status
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911853 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Total Debt to Income Ratio of 50.35062% exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.          
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Credit Cleared 10/26/2018 1 13911872 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured         (2019-08-15): The loan is insured. please clear. (2019-08-15): Per the client the loan is insured - pay history also indicates monthly disbursement for MIP.  
25144849 Purchase Primary 7/XX/2018 ND $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911880 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 01/04/2019 1 13911762 Missing Document: Approval not provided           (2019-08-15): Approval provided. Provide missing documentation
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13911763 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 05/XX/2016 Disaster End Date: 04/XX/2018 Disaster Name: SEVERE STORMS, FLOODING, LANDSLIDES, AND MUDSLIDES Disaster Declaration Date: 05/XX/2018            
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/04/2019 1 13911764 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is uninsured, please update info. (2019-08-15): Loan is not insured - evidence of refund of the VA funding fee has been provided.  
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Document Error General Credit Cleared 01/04/2019 1 13911766 VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed and dated by both borrower and lender between the application date and the loan closing date. Disclosure: VA Addendum to the Loan Application 26-1802a (Government Documents)         (2019-08-15): An earlier dated addendum was provided - it was signed at time of application.  
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Open   3 13911768 The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 05/XX/2016, Transaction Date: 05/XX/2016            
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911771 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.       (2019-08-15): Updated from: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Provide missing documentation
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911774 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.         Lender to provide updated ATR/QM status
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911776 VA QM Eligibility VA Qualified Mortgage (Dodd-Frank 2014) Subject loan is not eligible to be insured or guaranteed by VA. Subject loan is not eligible to be insured or guaranteed by VA.          
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911779 TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure. File does not evidence the consumer was provided with the Servicing Disclosure.         Good faith redisclosure
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911780 TRID Esign Consent Agreement Status ESIGN Act  Loan file does not contain evidence of borrower's consent to receive electronic disclosures. Loan file does not contain evidence of borrower's consent to receive electronic disclosures.         No Defined Cure
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911782 TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 05/XX/2016 disclosed a Closing Date that did not match the actual date of consummation. (Final/XX/20/2016) Final Closing Disclosure provided on 05/XX/2016 disclosed a Closing Date that did not match the actual date of consummation.         Letter of Explanation & Corrected Closing Disclosure
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911785 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XX/20/2016) Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911790 TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $3,872.00 on Final Closing Disclosure provided on 05/XX/2016 not accurate. (Final/XX/20/2016) Amount of Non-Escrowed Property Costs over Year 1 of $3,872.00 on Final Closing Disclosure provided on 05/XX/2016 not accurate.         Letter of Explanation & Corrected Closing Disclosure
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911793 TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.         No Defined Cure
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911794 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $5,092.41 may be required. Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).         No Defined Cure
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Cleared 01/04/2019 1 13911795 Incomplete Document: Pay History is incomplete   Missing the Pay History for the 1st payment due of 7/XX/2016. The pay history in the loan file begins with the month of 8/2016.       (2019-08-15): Pay history provided from 06/07/2016 to 11/14/2018; exception cleared.  
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911796 TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. The loan file does not contain the initial appraisal disclosure or the initial Loan Estimate.         Good faith redisclosure
25589866 Purchase Primary 5/XX/2016 HI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911797 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13911831 Aged document: Primary Valuation is older than guidelines permit Valuation Type: Appraisal / Valuation Report Date: 01/XX/2017 Re-certification value was done 131 days after original effective appraisal date of 01/05/17.          
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911833 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Not signed by the borrower.         Provide missing documentation
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911834 HUD QM AU Finding Fail HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. Due to file is not FHA salable loan          
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911836 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Due to file is not FHA salable loan         Lender to provide updated ATR/QM status
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911837 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Max allowed DTI is 50% per guidelines and Due to file is not FHA salable loan          
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911841 TRID Final Closing Disclosure Without Seller - Closing Costs Financed TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/06/XX/2017) Final Closing Disclosure provided on 06/XX/2018 disclosed an amount of $11,605.25 Closing Costs Financed on page 3 that does not match actual amount of closing costs financed of $11,605.00         Letter of Explanation & Corrected Closing Disclosure
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911845 TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2017) This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved         Letter of Explanation & Corrected Closing Disclosure
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911847 TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/06/XX/2017) No evidence of early receipt located in the file         No Defined Cure
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911849 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $656.34 exceeds tolerance of $538.00 plus 10% or $591.80. Insufficient or no cure was provided to the borrower. (0) Recording Fee was disclosed on the initial LE in the amount of $153.00 but on the final CD reads $173.00. It appears the borrower was not notified of this increased fee after LE was disclosed. Title-Courier Fee was not disclosed on the initial LE but on the final CD reads $33.34. It appears the borrower was not notified of this additional fee after LE was disclosed. Title-Sub Escrow Fee was disclosed on the initial LE in the amount of $25.00 but on the final CD reads $90.00. It appears the borrower was not notified of this increased fee after LE was disclosed. Missing valid change in circumstance.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911851 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $556.57 exceeds tolerance of $547.00. Insufficient or no cure was provided to the borrower. (7200) Loan Discount Points Fee was disclosed on the initial LE in the amount of $547.00 but on the final CD reads $556.57. It appears the borrower was not notified of this increased fee after LE was disclosed. Missing valid change in circumstance.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911855 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $600.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. (7506) Appraisal Fee was disclosed on the initial LE in the amount of $450.00 but on the final CD reads $600.00. It appears the borrower was not notified of this increased fee after LE was disclosed. Missing valid change in circumstance.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911858 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,829.00 exceeds tolerance of $3,763.00. Insufficient or no cure was provided to the borrower. (7591) Mortgage Insurance Premium Fee was disclosed on the initial LE in the amount of $3,763.00 but on the final CD reads $3,829.00. It appears the borrower was not notified of this increased fee after LE was disclosed. Missing valid change in circumstance. To clear, provide evidence of Letter explanation.         Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 13911861 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 57.53379% exceeds AUS total debt ratio of 56.69906%. Lender income used $5,185.97 and system calculated $$5,135.00          
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/16/2019 1 13911863 FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant. Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) Page 4 is not signed by the lender.       (2019-08-15): Received executed page 4 of the disclosure. (2019-08-15): The last page of the document is still not signed by the Lender. Exception remains outstanding.  
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 12/03/2018 1 13911867 FHA - Important Notice to Homebuyer (92900-B) is not compliant. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) Not signed by the borrower.       (2019-08-15): Received signed copy of disclosure; however, it was not provided within 3 days of application so a separate exception has been set.  
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911869 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Due to file is not FHA salable loan          
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/16/2019 1 13911873 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.         (2019-08-15): Loan is uninsured, received sufficient proof. Please update info. (2019-08-15): Loan is not insured - all premiums have been refunded to the borrower.  
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911876 FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) The only signed and dated Important Notice to Homebuyer is dated the day of closing which was not within 3 days of application.       (2019-08-15): The only signed Notice to Homebuyer disclosures provided to date are all signed 6/10/2017 which was not within 3 days of closing. This same document is in the file 3 times, but all are dated the same. Condition remains outstanding.  
25740192 Refinance Rate/Term Primary 6/XX/2017 NH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911879 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25887622 Refinance Cash-out - Other Investment 11/XX/2015 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 10/15/2018 1 13911827 TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $580.00 exceeds tolerance of $465.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) Zero Percent Fee Tolerance exceeded for Appraisal Fee Amount of $580.00 exceeds tolerance of $465.00. Excess cure of $650.00 was provided to the borrower at Closing.         Final CD evidences Cure
25887622 Refinance Cash-out - Other Investment 11/XX/2015 MD $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Cleared 10/25/2018 1 13911830 Other Compliance Exception (Manual Add)   The borrower received the initial CD on 11/XX/2015, which was not at least 3 business days prior to closing.       (2019-08-15): Received additional information from Lender's doc tracking system indicating the initial CD was sent by email on 11/24. Based on this date, it was received within the timeline for closing.  
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 08/23/2018 1 13911808 Missing Document: Approval not provided           (2019-08-15): Approval was provided. Provide missing documentation
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 08/21/2018 1 13911809 Missing Document: Pay History not provided   Pay history missing from 07/XX/2018 to 08/XX/2018       (2019-08-15): Pay history provided. Exception cleared. Provide missing documentation
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 08/23/2018 1 13911810 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.           (2019-08-15): Evidence was provided reflecting the loan is insured.  
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13911813 Loan Guaranty Certificate is missing. Disclosure: VA - Loan Guaranty Certificate (Government Documents)           Provide missing documentation
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 08/23/2018 1 13911815 VA - IRRRL Comparison is not compliant. Disclosure: VA - IRRRL Comparison (Government Documents) Not signed       (2019-08-15): IRRL comparison was provided.  
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 08/23/2018 1 13911816 VA IRRRL Worksheet VA 26-8923 is missing. Disclosure: VA - IRRRL Worksheet VA 26-8923 (Government Documents)         (2019-08-15): Worksheet was provided as required. Provide missing documentation
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Cleared 08/23/2018 1 13911817 Insufficient Coverage: Flood insurance coverage amount is insufficient.           (2019-08-15): Evidence of sufficient insurance was provided.  
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911818 Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. There is no evidence the Creditor retained a record of borrower's receipt of Notice of Special Flood Hazard Disclosure.         Provide missing documentation
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911819 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Loan designation is Non-QM         Lender to provide updated ATR/QM status
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911820 VA QM Eligibility VA Qualified Mortgage (Dodd-Frank 2014)  Subject loan is not eligible to be insured or guaranteed by VA. Subject loan is not eligible to be insured or guaranteed by VA.          
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 08/23/2018 1 13911821 TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2018) Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 did not disclose a value of the dollar amount by which the Total Closing Costs exceeded the legal limit.       (2019-08-15): Seller provided a valid COC. Letter of Explanation & Corrected Closing Disclosure
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 08/23/2018 1 13911822 TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $152.00 exceeds tolerance of $122.00 plus 10% or $134.20. Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded. Total amount of $152.00 exceeds tolerance of $122.00 plus 10% or $134.20. No cure or valid CoC was provided to the borrower.       (2019-08-15): Seller provided a valid COC. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 08/23/2018 1 13911823 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,394.63 exceeds tolerance of $2,375.69. Insufficient or no cure was provided to the borrower. (7200) Zero Percent Fee Tolerance exceeded for Loan Discount Points Fee Amount of $2,394.63 exceeds tolerance of $2,375.69. No cure or valid CoC was provided to the borrower.       (2019-08-15): Seller provided a valid COC. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911824 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Loan is not Agency salable.          
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 08/23/2018 1 13911825 TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $213.55 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) Zero Percent Fee Tolerance exceeded for Extension Fee Amount of $213.55 exceeds tolerance of $0.00. No cure or valid CoC was provided to the borrower.       (2019-08-15): Seller provided a valid COC. Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
25055497 Refinance Streamlined Primary 5/XX/2018 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Reconciliation Property Open   1 13911826 Missing secondary valuation product required for securitization.   Secondary Valuation Product is required for Securitization and is not located in file.         Provide missing documentation
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Cleared 05/10/2019 1 13911843 Final Title Policy is missing. No evidence of title was found in file.           (2019-08-15): prelim captured Provide missing documentation
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911848 TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure.           Good faith redisclosure
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13911852 North Carolina Rate Spread Threshold Test North Carolina Rate Spread Home Loan: APR on subject loan of 7.68300% or Final Disclosure APR of 7.52300% is in excess of allowable threshold of APOR 2.83% + 3.5%, or 6.33000%. Compliant Rate Spread Home Loan.            
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911854 TRID Final Closing Disclosure APR TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 7.52300% on Final Closing Disclosure provided on 08/XX/2016 is under-disclosed from the calculated APR of 7.68300% outside of 0.125% tolerance. (Final/08/XX/2016) Disclosure reflects Finance Charges of $38,903.98, however calculated Finance Charges reflects $39,429.79. Refund = $525.81.   (2019-08-15): Re-uploaded refund docs on 12/18. (2019-08-15): $525.81 refund docs uploaded 11/28. (2019-08-15): Requested cure from MiLEND 11/17.   (2019-08-15): Agree, refund check, LOE, and proof of delivery have been provided. However corrected CD was not provided. Exception remains open. Please provide corrected CD in order to cure exception. (2019-08-15): Received refund check, LOE, and proof of delivery, however corrected CD was not provided. Exception remains open. Please provide corrected CD in order to cure exception. (2019-08-15): Pending receipt of refund docs. (2019-08-15): Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable in order to cure exception. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911856 TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/08/XX/2016) Disclosure reflects Finance Charges of $38,903.98, however calculated Finance Charges reflects $39,429.79. Refund = $525.81.   (2019-08-15): Re-uploaded refund docs on 12/18. (2019-08-15): $525.81 refund docs uploaded 11/28. (2019-08-15): Requested cure from MiLEND 11/17.   (2019-08-15): Agree, refund check, LOE, and proof of delivery have been provided. However corrected CD was not provided. Exception remains open. Please provide corrected CD in order to cure exception. (2019-08-15): Received refund check, LOE, and proof of delivery, however corrected CD was not provided. Exception remains open. Please provide corrected CD in order to cure exception. (2019-08-15): Pending receipt of refund docs. (2019-08-15): Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable in order to cure exception. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911859 TRID Final Closing Disclosure Late Payment Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2016 incorrectly disclosed the terms of the Late Payment. (Final/08/XX/2016) Final CD disclosed is payment is more than 15 days late, lender will charge a late fee of 5%; however Note reflects 15 days late and 4% late fee.         Letter of Explanation & Corrected Closing Disclosure
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911864 TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $711.45 may be required.           No Defined Cure
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13911868 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/09/2017 1 13911870 Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM.         (2019-08-15): Received Designation exception has been cleared.  
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Cleared 11/28/2017 1 13911874 Income Docs Missing: Borrower: XXX VVOE - Employment Only Missing VVOE within 10 days of closing.       (2019-08-15): Received VVOE exception has been cleared. (2019-08-15): Received VOE dated 7/25/16, which is not within 10 days of closing 8/23/16, exception remains. Provide missing documentation
25516460 Refinance Cash-out - Debt Consolidation Primary 8/XX/2016 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cured 11/09/2017 2 13911877 Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM matches the Due Diligence Loan Designation of Higher Priced QM.         (2019-08-15): Received Designation exception has been cured. Lender to provide updated ATR/QM status
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13911960 Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.11472% exceeds Guideline total debt ratio of 43.00000%. Missing income documentation, total income with docs in file is $11,739.25. In addition the 1003 does not indicate any rental income for borrower's rental property and appears did not include the PITIA in DTI   (2019-08-15): Rental mtg Central Loan is included in DTI under liabilities   (2019-08-15): DTI calculation as follows: Income = $12,143.97. Total liabilities = $6,133.66 (Subject property PITIA = $3,564.66 + Liabilities = $2,131 + Rental Property = $438). DTI = 50.51%  
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 01/09/2018 1 13911961 AUS Findings: All conditions were not met   The following income documentation is missing (LP #CY was not met): 1040 (2015), 1040 (2016), 1120S (2015), 1120S (2016), Also, the fully-executed final CD for XXX is missing (LP #CD & #NJ were not met; insufficient funds for closing).   (2019-08-15): Settlement statement for the sale of XXX was uploaded on 1/8. (2019-08-15): Requested doc in file   (2019-08-15): Received settlement statement for XXX property. Exception cleared. (2019-08-15): Received 2016 and 2015 personal tax returns, 2016 and 2015 business (1120s) tax returns. However, CD from the sale of XXX is missing. Exception remains open.  
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Open   3 13911963 Income Docs Missing: Borrower: XXX 1040 (2016), 1120S (2015), 1120S (2016), Balance Sheet         (2019-08-15): Received 2016 and 2015 personal tax returns, 2016 and 2015 business (1120s) tax returns. However, balance sheet has not been provided. Provide missing documentation
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911965 General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.            
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911966 TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien TRID Final Closing Disclosure 06/XX/2017 on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/06/XX/2017)           Letter of Explanation & Corrected Closing Disclosure
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911967 TRID Final Closing Disclosure Summaries Of Transactions - Sales Price TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 06/XX/2017 did not disclose the Sales Price of Property. (Final/06/XX/2017)           Letter of Explanation & Corrected Closing Disclosure
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911968 TRID Final Closing Disclosure Value Identifier TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/XX/2017 did not contain the appropriate label for Sale Price or Appraised Property Value. (Final/06/XX/2017) The value amount is based on the sales price rather than the appraised property value indicated on borrower's CD.         Letter of Explanation & Corrected Closing Disclosure
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13911969 TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Lender's settlement service providers are not located in file.         No Defined Cure
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911970 S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX/S-Corp)            
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911971 QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.            
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/09/2017 1 13911972 Unknown Loan Designation Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Risk.         (2019-08-15): Received Loan Designation exception has been cleared.  
25198121 Purchase Primary 6/XX/2017 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13911973 Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. New Exception Generated after receiving designation.         Lender to provide updated ATR/QM status
25901180 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Reviewed with Exceptions 06/27/2017 Loan Package Documentation Application / Processing Credit Open   2 13911978 Missing Document: Missing Final 1003             Provide missing documentation
25901180 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Reviewed with Exceptions 06/27/2017 Compliance Miscellaneous Compliance Compliance Open   2 13911979 (Doc Error) Initial GFE not provided              
25901180 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Reviewed with Exceptions 06/27/2017 Compliance Federal Compliance Compliance Open   2 13911980 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25901180 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Reviewed with Exceptions 07/17/2017 Compliance Federal Compliance Compliance Open   2 13911981 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
25901180 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TN $XXX Reviewed with Exceptions 07/17/2017 Compliance Federal Compliance Compliance Open   2 13911982 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25878158 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 WA $XXX Reviewed with Exceptions 03/28/2017 Compliance Federal Compliance Compliance Open   2 13911983 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $692,110.51 is underdisclosed from calculated Finance Charge of $692,214.62 in the amount of $104.11. Under-disclosure appears to be due to actual interest rate on loan is 11.8284% as per tape however, Note states rate is 11.83% which therefore, must be used for testing. Using rate per tape, pay streams match and there is no under-disclosure.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25498899 Refinance Rate/Term Primary 8/XX/2005 MN $XXX Loan Review Complete 02/22/2017 Compliance Federal Compliance Compliance Open   2 13911984 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25498899 Refinance Rate/Term Primary 8/XX/2005 MN $XXX Loan Review Complete 02/22/2017 Compliance Federal Compliance Compliance Open   3 13911985 Federal HELOC Fee Agreement used in Points and Fees Testing Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Compliance points and fees testing performed using amounts on HELOC Fee Agreement.            
25498899 Refinance Rate/Term Primary 8/XX/2005 MN $XXX Loan Review Complete 02/22/2017 Compliance Federal Compliance Compliance Open   2 13911986 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25498899 Refinance Rate/Term Primary 8/XX/2005 MN $XXX Loan Review Complete 02/22/2017 Compliance Federal Compliance Compliance Open   2 13911987 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 7/XX/2005 which is 1 months prior to consummation. A 7 month lookback was used to determine this application date. The final date used for testing was 2/XX/2005.           Provide missing documentation
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Loan Package Documentation Application / Processing Credit Open   2 13911998 Missing Document: Missing Final 1003             Provide missing documentation
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance Miscellaneous Compliance Compliance Open   2 13912003 (Doc Error) Initial GFE not provided              
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912012 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance Federal Compliance Compliance Open   2 13912016 Initial Loan Application Status Test No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A 7 month lookback was used to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.            
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Loan Package Documentation Closing / Title Compliance Open   3 13912020 Missing Final HUD-1 Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance Federal Compliance Compliance Open   3 13912023 (Missing Data) Number of Units Number of Units for the Primary Valuation was not provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance Federal Compliance Compliance Open   3 13912025 (Missing Data) Property Type Property Type for the Primary Valuation was not provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance Federal Compliance Compliance Open   2 13912027 (Missing Data) Missing Information to Determine Origination Channel Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.           Provide missing documentation
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance State Compliance Compliance Cured 08/18/2017 2 13912030 (TX50(a)(6)) Texas Cash-out Loan (Home Equity loan on homestead that exceeds the Acreage limits) Unable to determine if the home equity loan on homestead exceeds the allowable acreage due to missing information.         (2017-08-18): Bayview provided copy of letter sent to borrower acknowledging that their loan is secured only by their homestead and no other real or personal property. Outside counsel advised this was sufficient to cure the acreage exception on the loan. Send the owner a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%, and notice that the lien is valid only in the amount that the extension of credit secured by the homestead and not to the extent it is secured by additional real or personal property other than the homestead.
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance State Compliance Compliance Open   2 13912032 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance State Compliance Compliance Cured 08/18/2017 2 13912035 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.         (2017-08-18): Bayview provided copy of letter sent to borrower indicating they are aware the borrower may not have gotten copies of all closing docs and final application at closing. Bayview has credited $1000 to the principal balance of their loan and offered to refinance their loan and provided screen shots to evidence the application of the $1000. Bayview also signed attestation that they cannot definitively determine that all documents executed by the borrower were contained within the loan files. Outside counsel advised this was sufficient to cure this exception with the catch all cure. Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance State Compliance Compliance Cured 08/18/2017 2 13912038 (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) Unable to determine if loan was closed an authorized location due to missing information.         (2017-08-18): Bayview provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance State Compliance Compliance Open   2 13912041 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance State Compliance Compliance Cured 08/18/2017 2 13912044 (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.         (2017-08-18): Bayview provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance State Compliance Compliance Cured 08/18/2017 2 13912045 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.         (2017-08-18): Bayview provided copy of letter sent to borrower along with AFMV signed by lender for borrower to execute and return. Rather than wait for return, Bayview also elected to provide borrower with a $1000 credit to be applied to the principal on their loan and offer to refinance their loan. AMC confirmed the $1000 was applied to the borrower's account. Outside counsel has advised this was sufficient to cure this exception. To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance State Compliance Compliance Cured 08/18/2017 2 13912046 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.         (2017-08-18): Bayview provided copy of letter sent to borrower indicating they have credited $1000 to the principal balance of their loan and offering to refinance their loan along with screen shots to evidence the application of the $1000. Outside counsel advised this was sufficient to cure this exception. Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25547827 Refinance Cash-out - Other Primary 12/XX/2006 TX $XXX Reviewed with Exceptions 12/06/2016 Compliance Federal Compliance Compliance Open   2 13912047 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25903783 Refinance Cash-out - Other Primary 7/XX/2002 WA $XXX Reviewed with Exceptions 07/03/2017 Loan Package Documentation Closing / Title Credit Open   2 13911994 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:              
25903783 Refinance Cash-out - Other Primary 7/XX/2002 WA $XXX Reviewed with Exceptions 07/03/2017 Compliance Federal Compliance Compliance Open   2 13911999 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
25903783 Refinance Cash-out - Other Primary 7/XX/2002 WA $XXX Reviewed with Exceptions 07/03/2017 Compliance Federal Compliance Compliance Open   2 13912002 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25903783 Refinance Cash-out - Other Primary 7/XX/2002 WA $XXX Reviewed with Exceptions 07/03/2017 Compliance Federal Compliance Compliance Open   2 13912005 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $226,071.83 is underdisclosed from calculated Finance Charge of $226,654.61 in the amount of $582.78. Verified all fees to itemization of amount financed. Verified all terms of arm loan, UTD reason for pay stream difference.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25769118         $XXX Reviewed with Exceptions 05/08/2017 Loan Package Documentation Loan File Compliance Open   3 13911977 (Missing Doc) Incomplete loan images/file   Status is Missing. File does not include documentation for the subject loan.         Provide missing documentation
25879689 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Reviewed with Exceptions 06/27/2017 Loan Package Documentation Application / Processing Credit Open   2 13912007 Missing Document: Missing Final 1003             Provide missing documentation
25879689 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Reviewed with Exceptions 06/27/2017 Compliance Federal Compliance Compliance Open   2 13912011 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
25879689 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Reviewed with Exceptions 06/27/2017 Compliance Federal Compliance Compliance Open   2 13912015 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25879689 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Reviewed with Exceptions 06/27/2017 Compliance Federal Compliance Compliance Open   2 13912021 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $264,814.10 is underdisclosed from calculated Finance Charge of $265,533.00 in the amount of $718.90. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25879689 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Reviewed with Exceptions 06/27/2017 Compliance Miscellaneous Compliance Compliance Open   2 13912022 (Doc Error) Initial GFE not provided              
25653977 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 12/20/2016 Loan Package Documentation Application / Processing Credit Open   2 13911990 Missing Document: Missing Final 1003             Provide missing documentation
25653977 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 12/20/2016 Compliance Federal Compliance Compliance Open   2 13911997 Initial Loan Application Status Test No Fees No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2007 which is 1 months prior to consummation. A 7 month lookback was used to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.            
25653977 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 12/20/2016 Loan Package Documentation Closing / Title Compliance Open   3 13912006 Missing Final HUD-1 Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25653977 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 12/20/2016 Compliance Federal Compliance Compliance Open   2 13912010 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25653977 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 12/20/2016 Loan Package Documentation Closing / Title Credit Open   3 13912014 Title: Evidence of title is missing   File does not contain either Preliminary or Final Title.         Provide missing documentation
25653977 Refinance Cash-out - Other Primary 4/XX/2007 CA $XXX Reviewed with Exceptions 12/20/2016 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912017 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25603113 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NJ $XXX Reviewed with Exceptions 06/27/2017 Loan Package Documentation Closing / Title Credit Open   3 13912088 Title: Evidence of title is missing             Provide missing documentation
25603113 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NJ $XXX Reviewed with Exceptions 07/17/2017 Loan Package Documentation Closing / Title Credit Open   3 13912091 Title: Evidence of title is missing   File does not contain either Preliminary or Final Title         Provide missing documentation
25289107 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MO $XXX Reviewed with Exceptions 12/21/2016 Loan Package Documentation Application / Processing Credit Open   2 13912060 Missing Document: Missing Final 1003             Provide missing documentation
25289107 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MO $XXX Reviewed with Exceptions 12/21/2016 Compliance Federal Compliance Compliance Open   2 13912066 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 7/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.            
25289107 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MO $XXX Reviewed with Exceptions 12/21/2016 Compliance Federal Compliance Compliance Open   2 13912070 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25289107 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MO $XXX Reviewed with Exceptions 12/27/2016 Compliance Federal Compliance Compliance Open   2 13912073 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25868081 Purchase Second Home 4/XX/2005 FL $XXX Loan Review Complete 11/28/2016 Loan Package Documentation Application / Processing Credit Open   2 13912111 Missing Document: Missing Final 1003             Provide missing documentation
25868081 Purchase Second Home 4/XX/2005 FL $XXX Loan Review Complete 11/28/2016 Compliance Federal Compliance Compliance Open   2 13912114 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25868081 Purchase Second Home 4/XX/2005 FL $XXX Loan Review Complete 11/28/2016 Compliance Federal Compliance Compliance Open   2 13912116 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2005 which is 1 month(s) prior to consummation. A 3 month lookback was used to determine this application date.            
25868081 Purchase Second Home 4/XX/2005 FL $XXX Loan Review Complete 11/28/2016 Compliance Federal Compliance Compliance Open   2 13912119 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
25868081 Purchase Second Home 4/XX/2005 FL $XXX Loan Review Complete 11/28/2016 Compliance Federal Compliance Compliance Open   2 13912121 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25868081 Purchase Second Home 4/XX/2005 FL $XXX Loan Review Complete 11/28/2016 Compliance Federal Compliance Compliance Open   2 13912122 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25033640 Refinance Cash-out - Home Improvement Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 12/02/2015 Loan Package Documentation Closing / Title Compliance Open   3 13912115 Missing Final HUD-1 Missing Final HUD-1. HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25033640 Refinance Cash-out - Home Improvement Primary 6/XX/2007 CA $XXX Reviewed with Exceptions 12/02/2015 Compliance Federal Compliance Compliance Open   2 13912117 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
25358692 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Reviewed with Exceptions 05/26/2017 Compliance State Compliance Compliance Open   2 13912108 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25358692 Refinance Cash-out - Other Primary 11/XX/2006 SC $XXX Reviewed with Exceptions 05/26/2017 Compliance Federal Compliance Compliance Open   2 13912109 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $85,555.09 is underdisclosed from calculated Finance Charge of $85,755.20 in the amount of $200.11. Attorney fee is causing the under disclosure.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25964194 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Reviewed with Exceptions 07/03/2017 Compliance Miscellaneous Compliance Compliance Open   2 13912159 (Doc Error) Initial GFE not provided              
25964194 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Reviewed with Exceptions 07/05/2017 Loan Package Documentation Application / Processing Credit Open   2 13912160 Missing Document: Missing Final 1003             Provide missing documentation
25964194 Refinance Cash-out - Other Primary 12/XX/2006 IL $XXX Reviewed with Exceptions 07/05/2017 Compliance Federal Compliance Compliance Open   3 13912161 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25169761 Refinance Rate/Term Primary 12/XX/2004 MN $XXX Loan Review Complete 07/07/2017 Loan Package Documentation Closing / Title Credit Open   3 13912162 Title: Evidence of title is missing   File does not contain either Preliminary or Final Title         Provide missing documentation
25169761 Refinance Rate/Term Primary 12/XX/2004 MN $XXX Loan Review Complete 07/07/2017 Compliance Federal Compliance Compliance Open   2 13912163 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
25169761 Refinance Rate/Term Primary 12/XX/2004 MN $XXX Loan Review Complete 07/07/2017 Compliance Federal Compliance Compliance Open   2 13912164 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25169761 Refinance Rate/Term Primary 12/XX/2004 MN $XXX Loan Review Complete 07/07/2017 Compliance Federal Compliance Compliance Open   2 13912165 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25538673 Purchase Primary 4/XX/2007 TX $XXX Loan Review Complete 08/04/2017 Compliance Federal Compliance Compliance Open   2 13912168 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25407177 Purchase Primary 9/XX/2001 TX $XXX Loan Review Complete 08/03/2017 Compliance Federal Compliance Compliance Open   2 13912166 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2001.           Provide missing documentation
25407177 Purchase Primary 9/XX/2001 TX $XXX Loan Review Complete 08/03/2017 Loan Package Documentation Closing / Title Compliance Open   2 13912167 (Doc Error) Security Instrument Error: Notary Date was not provided              
25600768 Purchase Primary 7/XX/2007 TX $XXX Loan Review Complete 08/04/2017 Compliance Federal Compliance Compliance Open   2 13912169 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25600768 Purchase Primary 7/XX/2007 TX $XXX Loan Review Complete 08/04/2017 Compliance Federal Compliance Compliance Open   2 13912170 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25600768 Purchase Primary 7/XX/2007 TX $XXX Loan Review Complete 08/04/2017 Compliance Federal Compliance Compliance Open   2 13912171 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25709067 Refinance Rate/Term Primary 2/XX/2007 FL $XXX Loan Review Complete 08/03/2017 Compliance Federal Compliance Compliance Open   2 13912182 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25709067 Refinance Rate/Term Primary 2/XX/2007 FL $XXX Loan Review Complete 08/03/2017 Compliance Federal Compliance Compliance Open   2 13912183 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25709067 Refinance Rate/Term Primary 2/XX/2007 FL $XXX Loan Review Complete 08/03/2017 Compliance Federal Compliance Compliance Open   2 13912184 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25709067 Refinance Rate/Term Primary 2/XX/2007 FL $XXX Loan Review Complete 08/03/2017 Compliance Federal Compliance Compliance Open   2 13912185 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25734709 Purchase Primary 11/XX/2003 PA $XXX Loan Review Complete 08/03/2017 Compliance Federal Compliance Compliance Open   2 13912189 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates. The payment schedule includes (e) in connection with the monthly MI changes.          
25054187 Refinance Rate/Term Investment 1/XX/2008 IL $XXX Loan Review Complete 10/01/2017 Compliance Federal Compliance Compliance Open   3 13912190 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25300064 Refinance Cash-out - Other Primary 8/XX/2007 KY $XXX Loan Review Complete 09/24/2017 Loan Package Documentation Application / Processing Credit Open   2 13912199 Missing Document: Missing Final 1003             Provide missing documentation
25300064 Refinance Cash-out - Other Primary 8/XX/2007 KY $XXX Loan Review Complete 09/24/2017 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912200 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25300064 Refinance Cash-out - Other Primary 8/XX/2007 KY $XXX Loan Review Complete 09/24/2017 Compliance Miscellaneous Compliance Compliance Open   2 13912201 (Doc Error) Initial GFE not provided              
25300064 Refinance Cash-out - Other Primary 8/XX/2007 KY $XXX Loan Review Complete 09/24/2017 Compliance Federal Compliance Compliance Open   2 13912202 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25300064 Refinance Cash-out - Other Primary 8/XX/2007 KY $XXX Loan Review Complete 09/24/2017 Compliance Federal Compliance Compliance Open   3 13912203 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25300064 Refinance Cash-out - Other Primary 8/XX/2007 KY $XXX Loan Review Complete 09/24/2017 Compliance Federal Compliance Compliance Open   2 13912204 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25300064 Refinance Cash-out - Other Primary 8/XX/2007 KY $XXX Loan Review Complete 09/24/2017 Compliance Federal Compliance Compliance Open   2 13912205 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25157982 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 VA $XXX Reviewed with Exceptions 09/24/2017 Loan Package Documentation Application / Processing Credit Open   2 13912215 Missing Document: Missing Final 1003             Provide missing documentation
25163443 Refinance Rate/Term Primary 9/XX/2004 WV $XXX Reviewed with Exceptions 09/29/2017 Compliance Federal Compliance Compliance Open   2 13912229 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.         (2019-09-11): Updated from: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. Provide missing documentation
25163443 Refinance Rate/Term Primary 9/XX/2004 WV $XXX Reviewed with Exceptions 09/29/2017 Compliance Federal Compliance Compliance Open   2 13912230 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25163443 Refinance Rate/Term Primary 9/XX/2004 WV $XXX Reviewed with Exceptions 09/29/2017 Compliance Federal Compliance Compliance Open   2 13912231 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25163443 Refinance Rate/Term Primary 9/XX/2004 WV $XXX Reviewed with Exceptions 09/29/2017 Compliance State Compliance Compliance Open   3 13912232 West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Negative Amortization Feature) West Virginia Residential Mortgage Lender, Broker and Servicer Act: Mortgage loan contains an impermissible negative amortization feature.            
25163443 Refinance Rate/Term Primary 9/XX/2004 WV $XXX Reviewed with Exceptions 09/29/2017 Compliance State Compliance Compliance Open   2 13912233 West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Impermissible Prepayment Penalty) West Virginia Residential Mortgage Lender, Broker and Servicer Act: Mortgage loan contains an impermissible prepayment penalty.            
25163443 Refinance Rate/Term Primary 9/XX/2004 WV $XXX Reviewed with Exceptions 09/29/2017 Compliance State Compliance Compliance Open   3 13912234 West Virginia Residential Mortgage Lender, Broker, and Servicer Act (Borrower Not Charged for Actual Amounts of Third Party Fees) West Virginia Residential Mortgage Lender, Broker and Servicer Act: Borrower not charged actual amount for third party fees.            
25163443 Refinance Rate/Term Primary 9/XX/2004 WV $XXX Reviewed with Exceptions 09/29/2017 Compliance Federal Compliance Compliance Open   2 13912235 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25163443 Refinance Rate/Term Primary 9/XX/2004 WV $XXX Reviewed with Exceptions 09/29/2017 Compliance Federal Compliance Compliance Open   2 13912236 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25873902 Refinance Rate/Term Primary 10/XX/2005 IL $XXX Loan Review Complete 10/02/2017 Compliance Miscellaneous Compliance Compliance Open   2 13912242 (Doc Error) Initial GFE not provided   GFE in file not dated.          
25873902 Refinance Rate/Term Primary 10/XX/2005 IL $XXX Loan Review Complete 10/03/2017 Compliance Federal Compliance Compliance Open   3 13912243 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25873902 Refinance Rate/Term Primary 10/XX/2005 IL $XXX Loan Review Complete 10/03/2017 Loan Package Documentation Closing / Title Compliance Open   2 13912244 (Doc Error) TIL Error: Borrower signature not dated.              
25060872 Refinance Rate/Term Primary 8/XX/2004 IL $XXX Reviewed with Exceptions 10/02/2017 Loan Package Documentation Application / Processing Credit Open   2 13912237 Missing Document: Missing Final 1003             Provide missing documentation
25060872 Refinance Rate/Term Primary 8/XX/2004 IL $XXX Reviewed with Exceptions 10/02/2017 Loan Package Documentation Closing / Title Credit Open   3 13912238 Title: Evidence of title is missing   File does not contain either Preliminary or Final Title.         Provide missing documentation
25060872 Refinance Rate/Term Primary 8/XX/2004 IL $XXX Reviewed with Exceptions 10/02/2017 Compliance Miscellaneous Compliance Compliance Open   2 13912239 (Doc Error) Initial GFE not provided              
25060872 Refinance Rate/Term Primary 8/XX/2004 IL $XXX Reviewed with Exceptions 10/02/2017 Compliance Federal Compliance Compliance Open   3 13912240 Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing. Signature line and cash to/from borrower is cut off         Provide missing documentation
25060872 Refinance Rate/Term Primary 8/XX/2004 IL $XXX Reviewed with Exceptions 10/02/2017 Compliance Federal Compliance Compliance Open   2 13912241 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Loan Package Documentation Application / Processing Credit Open   2 13912261 Missing Document: Missing Final 1003             Provide missing documentation
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Compliance Federal Compliance Compliance Open   2 13912263 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Compliance Federal Compliance Compliance Open   3 13912265 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Compliance Federal Compliance Compliance Open   2 13912267 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Compliance Federal Compliance Compliance Open   2 13912268 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Compliance Federal Compliance Compliance Open   2 13912269 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Compliance Federal Compliance Compliance Open   2 13912270 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Loan Package Documentation Closing / Title Credit Open   3 13912271 Title: Evidence of title is missing             Provide missing documentation
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912272 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Loan Package Documentation Closing / Title Credit Open   2 13912273 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Compliance Miscellaneous Compliance Compliance Open   2 13912274 (Doc Error) Initial GFE not provided              
25739802 UTD UTD UTD 11/XX/2000 MO $XXX Loan Review Complete 03/01/2018 Compliance Miscellaneous Compliance Compliance Open   2 13912275 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25755671 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 02/28/2018 Loan Package Documentation Application / Processing Credit Open   2 13912259 Missing Document: Missing Final 1003             Provide missing documentation
25755671 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 02/28/2018 Compliance Federal Compliance Compliance Open   2 13912260 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25755671 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 02/28/2018 Compliance Federal Compliance Compliance Open   2 13912262 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25755671 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 02/28/2018 Loan Package Documentation Closing / Title Credit Open   3 13912264 Title: Evidence of title is missing             Provide missing documentation
25755671 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 02/28/2018 Compliance Miscellaneous Compliance Compliance Open   2 13912266 (Doc Error) Initial GFE not provided              
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Loan Package Documentation Application / Processing Credit Open   2 13912276 Missing Document: Missing Final 1003             Provide missing documentation
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912277 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Compliance Miscellaneous Compliance Compliance Open   2 13912278 (Doc Error) Initial GFE not provided              
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Loan Package Documentation Application / Processing Compliance Open   2 13912279 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Compliance Federal Compliance Compliance Open   2 13912280 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Compliance Federal Compliance Compliance Open   3 13912281 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Compliance Federal Compliance Compliance Open   2 13912282 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Compliance Federal Compliance Compliance Open   2 13912283 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Compliance Federal Compliance Compliance Open   2 13912284 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25765338 UTD UTD Primary 7/XX/2000 GA $XXX Loan Review Complete 07/16/2018 Compliance Federal Compliance Compliance Open   2 13912285 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25013546 Purchase Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/13/2018 Compliance Federal Compliance Compliance Open   2 13912286 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25013546 Purchase Primary 8/XX/2007 NJ $XXX Loan Review Complete 07/13/2018 Compliance Federal Compliance Compliance Open   3 13912287 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25200093 Purchase Primary 8/XX/2004 NM $XXX Loan Review Complete 07/16/2018 Compliance Federal Compliance Compliance Open   2 13912288 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25200093 Purchase Primary 8/XX/2004 NM $XXX Loan Review Complete 07/16/2018 Compliance Miscellaneous Compliance Compliance Open   2 13912289 (Doc Error) Initial GFE not provided              
25338194 Refinance Rate/Term Investment 11/XX/2007 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912290 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912291 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Compliance Miscellaneous Compliance Compliance Open   2 13912292 (Doc Error) Initial GFE not provided              
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912293 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912294 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912295 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912296 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912298 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912299 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $474,712.62 is underdisclosed from calculated Finance Charge of $474,973.23 in the amount of $260.61.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912300 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25888155 Refinance Rate/Term Primary 1/XX/2007 NJ $XXX Loan Review Complete 07/16/2018 Loan Package Documentation Closing / Title Compliance Cleared 07/26/2018 1 13912301 (Doc Error) HUD Error: Disbursement date is earlier than final TIL signature date.   Per hud.       (2018-07-26): Received HUD, clearing exception.  
25737697 Purchase Primary 5/XX/2006 MD $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912306 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
25737697 Purchase Primary 5/XX/2006 MD $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912307 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25737697 Purchase Primary 5/XX/2006 MD $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912308 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25737697 Purchase Primary 5/XX/2006 MD $XXX Loan Review Complete 07/14/2018 Compliance Federal Compliance Compliance Open   2 13912309 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25737697 Purchase Primary 5/XX/2006 MD $XXX Loan Review Complete 07/16/2018 Loan Package Documentation Closing / Title Compliance Open   2 13912310 (Doc Error) TIL Error: Borrower signature not dated.              
25737697 Purchase Primary 5/XX/2006 MD $XXX Loan Review Complete 07/16/2018 Loan Package Documentation Closing / Title Compliance Open   2 13912311 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25280266 Purchase Primary 11/XX/2006 NY $XXX Loan Review Complete 07/12/2018 Compliance Federal Compliance Compliance Open   2 13912297 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25323912 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 IL $XXX Loan Review Complete 07/16/2018 Compliance Federal Compliance Compliance Open   2 13912304 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $262,307.97 is underdisclosed from calculated Finance Charge of $262,464.68 in the amount of $156.71. TIL itemization did not disclose $130 Closing fee, $80 Tax service fee or $30 Courier fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25567739 Purchase Primary 6/XX/2007 NY $XXX Loan Review Complete 07/13/2018 Compliance Federal Compliance Compliance Open   2 13912303 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25567739 Purchase Primary 6/XX/2007 NY $XXX Loan Review Complete 07/13/2018 Compliance Federal Compliance Compliance Open   2 13912305 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25037732 Purchase Primary 6/XX/2006 NJ $XXX Loan Review Complete 07/13/2018 Compliance Federal Compliance Compliance Open   2 13912302 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25750374 Purchase Primary 11/XX/2007 CA $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912318 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25750374 Purchase Primary 11/XX/2007 CA $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912319 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25750374 Purchase Primary 11/XX/2007 CA $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912320 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
25750374 Purchase Primary 11/XX/2007 CA $XXX Loan Review Complete 07/18/2018 Insurance Insurance Documentation Credit Open   3 13912321 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25224080 Purchase Primary 9/XX/2009 GA $XXX Loan Review Complete 07/17/2018 Loan Package Documentation Government Documentation Credit Open   3 13912322 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25224080 Purchase Primary 9/XX/2009 GA $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912323 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25224080 Purchase Primary 9/XX/2009 GA $XXX Loan Review Complete 07/17/2018 Loan Package Documentation Government Documentation Credit Open   3 13912324 FHA - Amendatory Clause is not compliant. Disclosure: FHA - Amendatory Clause (Government Documents)            
25224080 Purchase Primary 9/XX/2009 GA $XXX Loan Review Complete 07/17/2018 Loan Package Documentation Government Documentation Credit Open   3 13912325 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents)            
25935219 Refinance Rate/Term Primary 5/XX/2009 WI $XXX Loan Review Complete 07/17/2018 Loan Package Documentation Government Documentation Credit Open   3 13912326 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25935219 Refinance Rate/Term Primary 5/XX/2009 WI $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912327 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2009.           Provide missing documentation
25185706 Refinance Cash-out - Other Primary 10/XX/2006 AK $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912328 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25185706 Refinance Cash-out - Other Primary 10/XX/2006 AK $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912329 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $516,332.75 is underdisclosed from calculated Finance Charge of $517,352.13 in the amount of $1,019.38. TIL itemization did not disclose a Landsafe fee of $1,015 as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25080678 Purchase Primary 3/XX/2007 WI $XXX Loan Review Complete 07/18/2018 Loan Package Documentation Government Documentation Credit Open   3 13912330 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents)            
25253112 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 PA $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912332 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25253112 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 PA $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912333 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25092478 Purchase Primary 7/XX/2007 AL $XXX Loan Review Complete 07/17/2018 Compliance State Compliance Compliance Open   2 13912334 Alabama Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 5% late charge totals to $134.13 which exceeds the maximum dollar amount of $100 per state (AL).          
25092478 Purchase Primary 7/XX/2007 AL $XXX Loan Review Complete 07/18/2018 Insurance Insurance Documentation Credit Open   3 13912335 Missing Document: Mortgage Insurance Certificate (MIC) not provided   MI certificate from origination not in file.         Provide missing documentation
25489242 Refinance Rate/Term Primary 2/XX/2009 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912336 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25489242 Refinance Rate/Term Primary 2/XX/2009 MD $XXX Loan Review Complete 07/17/2018 Compliance State Compliance Compliance Open   2 13912337 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.            
25489242 Refinance Rate/Term Primary 2/XX/2009 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912338 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $380,189.99 is underdisclosed from calculated Finance Charge of $382,337.25 in the amount of $2,147.26. TIL itemization included an MIP Refund fee of - $2,892.74 as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25489242 Refinance Rate/Term Primary 2/XX/2009 MD $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912339 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2008.           Provide missing documentation
25489242 Refinance Rate/Term Primary 2/XX/2009 MD $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912340 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25570641 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 07/18/2018 Loan Package Documentation Government Documentation Credit Open   3 13912341 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25570641 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 07/18/2018 Loan Package Documentation Government Documentation Credit Open   3 13912342 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25570641 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 07/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 13912343 (Doc Error) Initial GFE not provided              
25570641 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912344 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25570641 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 PA $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912345 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25410024 Purchase Primary 11/XX/2009 IL $XXX Loan Review Complete 07/17/2018 Loan Package Documentation Government Documentation Credit Open   3 13912346 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25745158 Refinance Streamlined Primary 3/XX/2010 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912347 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25745158 Refinance Streamlined Primary 3/XX/2010 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912348 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2010.           Provide missing documentation
25745158 Refinance Streamlined Primary 3/XX/2010 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912349 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25745158 Refinance Streamlined Primary 3/XX/2010 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912350 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25745158 Refinance Streamlined Primary 3/XX/2010 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912351 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25745158 Refinance Streamlined Primary 3/XX/2010 MD $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912352 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $642,807.32 is underdisclosed from calculated Finance Charge of $647,743.45 in the amount of $4,936.13. TIL itemization did not disclose origination fee of $4,935.98 as a prepaid finance charge         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25667591 Refinance Streamlined Primary 3/XX/2010 GA $XXX Loan Review Complete 07/17/2018 Loan Package Documentation Government Documentation Credit Open   3 13912353 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25667591 Refinance Streamlined Primary 3/XX/2010 GA $XXX Loan Review Complete 07/17/2018 Loan Package Documentation Government Documentation Credit Open   3 13912354 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25667591 Refinance Streamlined Primary 3/XX/2010 GA $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912355 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25667591 Refinance Streamlined Primary 3/XX/2010 GA $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912356 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2010.           Provide missing documentation
25667591 Refinance Streamlined Primary 3/XX/2010 GA $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912357 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25667591 Refinance Streamlined Primary 3/XX/2010 GA $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912358 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25667591 Refinance Streamlined Primary 3/XX/2010 GA $XXX Loan Review Complete 07/17/2018 Compliance Federal Compliance Compliance Open   2 13912359 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25853442 Refinance Rate/Term Primary 11/XX/2009 IL $XXX Loan Review Complete 07/18/2018 Compliance Federal Compliance Compliance Open   2 13912360 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25898155         $XXX Reviewed with Exceptions 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922023 (Missing Doc) Incomplete loan images/file   Loan file does not contain loan images.         Provide missing documentation
25778726         $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922122 (Missing Doc) Incomplete loan images/file   Loan file only contains the security instrument.         Provide missing documentation
25259301         $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922150 (Missing Doc) Incomplete loan images/file   Loan file only contains the security instrument.         Provide missing documentation
25399990 Purchase Primary     $XXX Loan Review Complete 12/27/2018 Loan Package Documentation Application / Processing Credit Open   2 13912361 Missing Document: Missing Final 1003             Provide missing documentation
25399990 Purchase Primary     $XXX Loan Review Complete 12/27/2018 Loan Package Documentation Closing / Title Credit Open   3 13912362 Missing Document: Security Instrument not provided             Provide missing documentation
25399990 Purchase Primary     $XXX Loan Review Complete 12/27/2018 Loan Package Documentation Closing / Title Compliance Open   3 13912363 Missing Document: Note - Subject Lien not provided             Provide missing documentation
25399990 Purchase Primary     $XXX Loan Review Complete 12/27/2018 Loan Package Documentation Application / Processing Compliance Open   2 13912364 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25399990 Purchase Primary     $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922169 (Missing Doc) Incomplete loan images/file   Loan file only contains the security instrument.         Provide missing documentation
25112677         $XXX Reviewed with Exceptions 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922038 (Missing Doc) Incomplete loan images/file   Loan file does not contain images.         Provide missing documentation
25385735 UTD UTD UTD     $XXX Loan Review Complete 12/28/2018 Loan Package Documentation Application / Processing Credit Open   2 13912365 Missing Document: Missing Final 1003   Final 1003 is missing.         Provide missing documentation
25385735 UTD UTD UTD     $XXX Loan Review Complete 12/28/2018 Loan Package Documentation Application / Processing Compliance Open   2 13912366 Missing Document: Missing Lender's Initial 1003   Initial 1003 is missing.         Provide missing documentation
25385735 UTD UTD UTD     $XXX Loan Review Complete 12/28/2018 Loan Package Documentation Closing / Title Compliance Open   3 13912367 Missing Document: Note - Subject Lien not provided   The subject Note is missing from the loan file.         Provide missing documentation
25385735 UTD UTD UTD     $XXX Loan Review Complete 12/28/2018 Loan Package Documentation Closing / Title Credit Open   3 13912368 Missing Document: Security Instrument not provided   The Security Instrument is missing from the loan file.         Provide missing documentation
25385735 UTD UTD UTD     $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922175 (Missing Doc) Incomplete loan images/file   Loan file only contains the security instrument.         Provide missing documentation
25288882         $XXX Loan Review Complete 11/28/2018 Loan Package Documentation Closing / Title Credit Open   3 13912369 Missing Document: Security Instrument not provided             Provide missing documentation
25288882         $XXX Loan Review Complete 11/28/2018 Loan Package Documentation Application / Processing Compliance Open   2 13912370 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25288882         $XXX Loan Review Complete 11/28/2018 Loan Package Documentation Application / Processing Credit Open   2 13912371 Missing Document: Missing Final 1003             Provide missing documentation
25288882         $XXX Loan Review Complete 11/28/2018 Loan Package Documentation Closing / Title Compliance Open   3 13912372 Missing Document: Note - Subject Lien not provided             Provide missing documentation
25288882         $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922189 (Missing Doc) Incomplete loan images/file   Loan file does not contain any origination documentation.         Provide missing documentation
25808634 UTD UTD UTD     $XXX Loan Review Complete 02/19/2019 Loan Package Documentation Application / Processing Credit Open   2 13912373 Missing Document: Missing Final 1003             Provide missing documentation
25808634 UTD UTD UTD     $XXX Loan Review Complete 02/19/2019 Loan Package Documentation Closing / Title Credit Open   3 13912374 Missing Document: Security Instrument not provided             Provide missing documentation
25808634 UTD UTD UTD     $XXX Loan Review Complete 02/19/2019 Loan Package Documentation Closing / Title Compliance Open   3 13912375 Missing Document: Note - Subject Lien not provided             Provide missing documentation
25808634 UTD UTD UTD     $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922210 (Missing Doc) Incomplete loan images/file   Loan file does not contain any origination documentation.         Provide missing documentation
25538301 Refinance UTD Primary   VA $XXX Loan Review Complete 06/13/2019 Loan Package Documentation Closing / Title Compliance Open   3 13912376 Missing Document: Note - Subject Lien not provided             Provide missing documentation
25538301 Refinance UTD Primary   VA $XXX Loan Review Complete 06/13/2019 Loan Package Documentation Closing / Title Credit Open   3 13912377 Missing Document: Security Instrument not provided             Provide missing documentation
25538301 Refinance UTD Primary   VA $XXX Loan Review Complete 06/18/2019 Loan Package Documentation Application / Processing Credit Open   2 13912378 Missing Document: Missing Final 1003             Provide missing documentation
25538301 Refinance UTD Primary   VA $XXX Loan Review Complete 06/18/2019 Loan Package Documentation Application / Processing Compliance Open   2 13912379 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25538301 Refinance UTD Primary   VA $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922219 (Missing Doc) Incomplete loan images/file   Loan file only contains the security instrument and title.         Provide missing documentation
25469599 UTD UTD UTD     $XXX Loan Review Complete 09/19/2019 Loan Package Documentation Loan File Compliance Open   3 13922246 (Missing Doc) Incomplete loan images/file   Loan file does not contain any origination documentation.         Provide missing documentation
25017083 Purchase Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912384 Title: Evidence of title is missing             Provide missing documentation
25017083 Purchase Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912386 Missing Document: Flood Certificate not provided             Provide missing documentation
25741303 Refinance Cash-out - Other Primary 4/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912381 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25284783 Purchase Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912380 Title: Evidence of title is missing             Provide missing documentation
25284783 Purchase Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13912383 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25958276 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912385 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Rescind occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25958276 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912388 Missing Document: Missing Final 1003             Provide missing documentation
25958276 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912389 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25958276 Refinance Cash-out - Other Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912393 (Doc Error) Initial GFE not provided              
25297995 Purchase Primary 1/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912392 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.            
25946934 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912394 (Doc Error) Initial GFE not provided              
25946934 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912395 Missing Document: Missing Final 1003             Provide missing documentation
25946934 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912396 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25946934 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912398 Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.            
25946934 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912399 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 8/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.            
25946934 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912402 Title: Evidence of title is missing             Provide missing documentation
25654462 Purchase Primary 4/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912404 Missing Document: Flood Certificate not provided             Provide missing documentation
25654462 Purchase Primary 4/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912405 Title: Evidence of title is missing             Provide missing documentation
25190262 Purchase Investment 3/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912406 Title: Evidence of title is missing             Provide missing documentation
25659737 Refinance Rate/Term Primary 2/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912407 Missing Document: 1003 Final not provided             Provide missing documentation
25659737 Refinance Rate/Term Primary 2/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912408 (Doc Error) Initial GFE not provided              
25659737 Refinance Rate/Term Primary 2/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912410 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25659737 Refinance Rate/Term Primary 2/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912411 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.            
25659737 Refinance Rate/Term Primary 2/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912412 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25659737 Refinance Rate/Term Primary 2/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912413 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25240682 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912414 (Doc Error) Initial GFE not provided              
25240682 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912415 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25240682 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912416 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25240682 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912417 TILA HELOC - Important Terms Disclosure Missing Unable to test terms disclosure timing due to missing information.           Provide missing documentation
25240682 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912421 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2007 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.            
25240682 Refinance Cash-out - Other Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912423 Missing Document: 1003 Final not provided             Provide missing documentation
25153646 Refinance Cash-out - Debt Consolidation Investment 4/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912424 Missing Document: Missing Final 1003             Provide missing documentation
25153646 Refinance Cash-out - Debt Consolidation Investment 4/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912425 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
25153646 Refinance Cash-out - Debt Consolidation Investment 4/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912426 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 09/XX/2004 Inspection Date:            
25153646 Refinance Cash-out - Debt Consolidation Investment 4/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912427 (Doc Error) Initial GFE not provided              
25282965 Refinance Rate/Term Primary 6/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912445 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 6/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 6/XX/2001.           Provide missing documentation
25282965 Refinance Rate/Term Primary 6/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912446 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25301914 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13912447 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25301914 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912448 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25301914 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912449 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $337,958.87 is underdisclosed from calculated Finance Charge of $338,110.82 in the amount of $151.95. Unable to determine under disclosure due to missing itemization and MI cert.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25122522 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912452 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25122522 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912453 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25650123 Purchase Primary 4/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912450 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25650123 Purchase Primary 4/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13912451 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25197005 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912456 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 06/XX/2016 Inspection Date: 05/XX/2007            
25197005 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912457 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 5/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25197005 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13912458 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.           To Remediate: Lender must either sign the AFMV. Best practices would be to deliver to the borrower the required disclosure signed by the lender or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25999045 Refinance Cash-out - Other Primary 3/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912454 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 9/XX/2008.           Provide missing documentation
25999045 Refinance Cash-out - Other Primary 3/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912455 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25527435 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912471 Missing Document: Missing Final 1003             Provide missing documentation
25906029 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912469 Missing Document: Missing Final 1003             Provide missing documentation
25906029 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912470 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 11/XX/2012 Inspection Date:            
25906029 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912472 (Doc Error) Initial GFE not provided              
25906029 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912473 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25906029 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912474 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 7/XX/2007.           Provide missing documentation
25906029 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912475 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25906029 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912476 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $449,451.90 is underdisclosed from calculated Finance Charge of $451,292.95 in the amount of $1,841.05. Under disclosure is due to loan calculating as DSI 1/366         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25906029 Refinance Cash-out - Other Primary 1/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912477 Flood Certificate Error: Flood zone was not provided.              
25512951 Purchase Primary 8/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13912482 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25512951 Purchase Primary 8/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912483 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 07/XX/2010 Inspection Date:            
25512951 Purchase Primary 8/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912484 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25512951 Purchase Primary 8/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912485 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25512951 Purchase Primary 8/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912486 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25950025 Purchase Primary 9/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912478 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 09/XX/2016 Inspection Date: 05/XX/2011            
25950025 Purchase Primary 9/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912479 (Doc Error) Initial GFE not provided              
25950025 Purchase Primary 9/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912480 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25950025 Purchase Primary 9/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912481 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25635804 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912487 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25635804 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912488 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25635804 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912489 (Missing Data) Flood Hazard Zone Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.           Provide missing documentation
25635804 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912490 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25635804 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912491 Flood Certificate Error: Flood zone was not provided.              
25635804 Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912492 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 11/XX/2012 Inspection Date: 12/XX/2010            
25991977 Refinance Cash-out - Other Primary 1/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912496 (Doc Error) Initial GFE not provided              
25991977 Refinance Cash-out - Other Primary 1/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912497 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912498 Missing Document: Missing Final 1003             Provide missing documentation
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912499 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912500 Loan Program Info Disclosure is missing Disclosure: Loan Program Info Disclosure           Provide missing documentation
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Open   3 13912501 Privacy Notice is missing Disclosure: Privacy Notice           Provide missing documentation
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912502 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912503 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912504 (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.           Provide missing documentation
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912505 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
25411863 Refinance Cash-out - Other Primary 7/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912506 Federal HELOC Fee Agreement used in Points and Fees Testing Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Compliance points and fees testing performed using amounts on HELOC Fee Agreement.            
25535039 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912507 Missing Document: Missing Final 1003             Provide missing documentation
25535039 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912508 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2006           Provide missing documentation
25535039 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912509 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25535039 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912510 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25535039 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912511 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25535039 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912512 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25722707 Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912517 Missing Document: Missing Final 1003             Provide missing documentation
25722707 Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912519 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25722707 Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912522 Title: Evidence of title is missing             Provide missing documentation
25722707 Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912524 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2006           Provide missing documentation
25722707 Refinance Cash-out - Other Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912527 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25612285 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912518 Missing Document: Missing Final 1003             Provide missing documentation
25612285 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912520 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25612285 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912523 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25612285 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912525 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25612285 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912526 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25612285 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912528 Missing Document: Appraisal not provided   Appraisal not provided.         Provide missing documentation
25255050 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912513 Missing Document: Missing Final 1003             Provide missing documentation
25255050 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912514 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25255050 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912515 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2006           Provide missing documentation
25009921 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912529 Missing Document: Missing Final 1003             Provide missing documentation
25009921 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912530 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25009921 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912531 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25076621 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912532 Missing Document: Missing Final 1003             Provide missing documentation
25076621 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912533 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25076621 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912534 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25140097 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912536 Missing Document: Missing Final 1003             Provide missing documentation
25140097 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912537 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25140097 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912538 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25140097 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912539 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25074869 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912540 Missing Document: Missing Final 1003             Provide missing documentation
25074869 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912541 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25528255 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912548 Missing Document: Missing Final 1003             Provide missing documentation
25528255 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912550 South Carolina Consumer Protection Code - Attorney Preference Disclosure Not Provided South Carolina Consumer Protection Code: Attorney/Insurer Preference Disclosure not provided to borrower.            
25528255 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912551 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25528255 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912552 South Carolina Consumer Protection Code (Co-Signer Disclosure Not Provided) South Carolina Consumer Protection Code: Cosigner (who is not spouse of borrower) was not provided with required Cosigner Disclosure.            
25528255 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912553 South Carolina Consumer Protection Code (Manufactured Home - TILA Disclosures Not Provided at least 2 Business Days Prior to Closing) South Carolina Consumer Protection Code: Estimated TILA disclosures not provided to borrower for a manufactured housing loan at least two (2) business days before closing (including itemization of amount financed).            
25528255 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912554 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2006           Provide missing documentation
25795831 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912544 Missing Document: Missing Final 1003             Provide missing documentation
25795831 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912545 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25795831 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912546 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25795831 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912547 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2006           Provide missing documentation
25305091 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912555 Missing Document: Missing Final 1003             Provide missing documentation
25305091 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912556 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25305091 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912557 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25305091 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912558 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25305091 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912559 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25187946 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912560 Missing Document: Missing Final 1003             Provide missing documentation
25187946 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912561 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25187946 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912562 Missing Document: Appraisal not provided             Provide missing documentation
25187946 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912563 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25187946 Refinance Cash-out - Other Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912564 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25570239 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912566 Missing Document: Missing Final 1003             Provide missing documentation
25570239 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912567 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25570239 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912568 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25570239 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912569 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25570239 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912570 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25570239 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912571 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25570239 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912572 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2006           Provide missing documentation
25742313 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912575 Missing Document: Missing Final 1003             Provide missing documentation
25742313 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912576 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25742313 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912577 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25742313 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912578 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25742313 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912579 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 03/XX/2007           Provide missing documentation
25742313 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912580 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25742313 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912581 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25637231 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912582 Missing Document: Missing Final 1003             Provide missing documentation
25637231 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912583 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25637231 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912584 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25637231 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912585 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25637231 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912586 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25637231 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912587 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25307221 Refinance Cash-out - Other Primary 7/XX/2007 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912573 Missing Document: Missing Final 1003             Provide missing documentation
25307221 Refinance Cash-out - Other Primary 7/XX/2007 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912574 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25573811 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912589 Missing Document: Missing Final 1003             Provide missing documentation
25573811 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912590 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25573811 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912591 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.            
25573811 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912592 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25573811 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912593 Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.            
25573811 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912595 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25573811 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912601 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 06/XX/2007           Provide missing documentation
25804689 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912602 Missing Document: Missing Final 1003             Provide missing documentation
25804689 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912603 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2006           Provide missing documentation
25804689 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912604 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25804689 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912605 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25804689 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912606 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25851410 Refinance Cash-out - Other Primary 7/XX/2007 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912594 Missing Document: Missing Final 1003             Provide missing documentation
25851410 Refinance Cash-out - Other Primary 7/XX/2007 AL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912596 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25851410 Refinance Cash-out - Other Primary 7/XX/2007 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912598 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25834193 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912607 Missing Document: Missing Final 1003             Provide missing documentation
25834193 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912608 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25076900 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912609 Missing Document: Missing Final 1003             Provide missing documentation
25076900 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912610 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25203217 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912611 Missing Document: Missing Final 1003             Provide missing documentation
25203217 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912612 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2007           Provide missing documentation
25203217 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912613 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25203217 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912614 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25203217 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912615 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25634450 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912616 Missing Document: Missing Final 1003             Provide missing documentation
25634450 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912617 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25634450 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912622 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25634450 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912626 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25634450 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912631 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912621 Missing Document: Missing Final 1003             Provide missing documentation
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912625 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912629 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912633 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912636 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912638 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912641 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912644 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25100309 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912648 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 08/XX/2007           Provide missing documentation
25078641 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912623 Missing Document: Missing Final 1003             Provide missing documentation
25078641 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912624 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25078641 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912628 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25078641 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912632 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
25078641 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912646 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25197646 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912618 Missing Document: Missing Final 1003             Provide missing documentation
25197646 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912619 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25197646 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912620 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2006           Provide missing documentation
25966875 Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912627 Missing Document: Missing Final 1003             Provide missing documentation
25966875 Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912630 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25966875 Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912634 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25966875 Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912637 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25966875 Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912639 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25966875 Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912642 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
25966875 Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912645 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/1998.           Provide missing documentation
25966875 Refinance Cash-out - Debt Consolidation Primary 4/XX/1999 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912649 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/1999, prior to three (3) business days from transaction date of 04/XX/1999.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25290168 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912635 Missing Document: Missing Final 1003             Provide missing documentation
25290168 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912640 Missing Document: Appraisal not provided             Provide missing documentation
25290168 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912643 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25290168 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912647 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25290168 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912650 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25364398 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912651 Missing Document: Missing Final 1003             Provide missing documentation
25364398 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912652 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25364398 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912653 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25364398 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912654 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25364398 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912656 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25364398 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912657 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25364398 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912658 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25878572 Refinance Cash-out - Other Primary 5/XX/2007 IA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912659 Missing Document: Missing Final 1003             Provide missing documentation
25878572 Refinance Cash-out - Other Primary 5/XX/2007 IA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912660 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25878572 Refinance Cash-out - Other Primary 5/XX/2007 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912661 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25878572 Refinance Cash-out - Other Primary 5/XX/2007 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912662 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25878572 Refinance Cash-out - Other Primary 5/XX/2007 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912663 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25878572 Refinance Cash-out - Other Primary 5/XX/2007 IA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912664 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 04/XX/2007           Provide missing documentation
25678517 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912665 Missing Document: Missing Final 1003             Provide missing documentation
25678517 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912666 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25678517 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912667 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25678517 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912668 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25678517 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912669 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25678517 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912670 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25678517 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912671 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25678517 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912672 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2007           Provide missing documentation
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912673 Missing Document: Missing Final 1003             Provide missing documentation
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912674 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912675 Missing Document: Appraisal not provided             Provide missing documentation
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912676 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912677 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912678 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912679 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912680 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25973619 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912681 Title: Evidence of title is missing             Provide missing documentation
25758830 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912682 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25758830 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912683 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25758830 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912684 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25758830 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912685 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 08/XX/2007           Provide missing documentation
25151571 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912686 Missing Document: Missing Final 1003             Provide missing documentation
25151571 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912687 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25151571 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912688 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25151571 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912689 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25151571 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912690 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 08/XX/2007           Provide missing documentation
25420673 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912692 Missing Document: Missing Final 1003             Provide missing documentation
25420673 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912693 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25420673 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912694 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25420673 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912695 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25420673 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912696 Title: Evidence of title is missing             Provide missing documentation
25420673 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912697 Security Instrument is not signed by borrower(s).              
25420673 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912698 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 12/XX/2005           Provide missing documentation
25420673 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912699 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25104954 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912700 Missing Document: Missing Final 1003             Provide missing documentation
25104954 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912701 TILA HELOC - HELOC Brochure Not Provided Timely Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application.            
25104954 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912702 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25104954 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912703 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25104954 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912704 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25104954 Refinance Cash-out - Other Primary 10/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912705 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2007           Provide missing documentation
25089216 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912706 Missing Document: Missing Final 1003             Provide missing documentation
25089216 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912707 Title: Evidence of title is missing             Provide missing documentation
25089216 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912708 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25089216 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912709 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25089216 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912710 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25089216 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912711 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25089216 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912712 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25199457 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912713 Missing Document: Missing Final 1003             Provide missing documentation
25199457 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912714 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25199457 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912715 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25199457 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912716 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25199457 Refinance Cash-out - Other Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912717 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25907580 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912718 Missing Document: Missing Final 1003             Provide missing documentation
25907580 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13912719 Title: Evidence of title is missing             Provide missing documentation
25907580 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912720 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25907580 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912722 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25907580 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912724 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25907580 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912725 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25907580 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912726 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2007           Provide missing documentation
25907580 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912727 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25968586 Purchase Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912721 Missing Document: Missing Final 1003             Provide missing documentation
25968586 Purchase Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912723 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.           Provide missing documentation
25725632 Refinance Cash-out - Other Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912728 Missing Document: Missing Final 1003             Provide missing documentation
25725632 Refinance Cash-out - Other Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13912729 Note Error: Note grace period days less than minimum per state   The late payment fee may only be assessed for a payment past due for 10 days or more. [Tenn. Code Ann.  45-20-103(15)(B).]          
25725632 Refinance Cash-out - Other Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912730 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25725632 Refinance Cash-out - Other Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912731 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25725632 Refinance Cash-out - Other Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912732 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25725632 Refinance Cash-out - Other Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912733 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 03/XX/2007           Provide missing documentation
25735168 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912741 Missing Document: Missing Final 1003             Provide missing documentation
25735168 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912742 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25735168 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912743 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 09/XX/2007           Provide missing documentation
25866490 Refinance Cash-out - Other Primary 11/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912734 Missing Document: Missing Final 1003             Provide missing documentation
25866490 Refinance Cash-out - Other Primary 11/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912735 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25866490 Refinance Cash-out - Other Primary 11/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912736 Pennsylvania Consumer Discount Company Subordinate Lien Late Charge Percent and Amount Testing Note late charge exceeds maximum per state.            
25866490 Refinance Cash-out - Other Primary 11/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912737 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25866490 Refinance Cash-out - Other Primary 11/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912738 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 11/XX/2005           Provide missing documentation
25866490 Refinance Cash-out - Other Primary 11/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912739 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25866490 Refinance Cash-out - Other Primary 11/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912740 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25329657 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 HI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912744 Missing Document: Missing Final 1003             Provide missing documentation
25329657 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912745 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25329657 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912746 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25329657 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 HI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912747 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25329657 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912748 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25556356 Purchase Primary 2/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912749 Missing Document: Missing Final 1003             Provide missing documentation
25556356 Purchase Primary 2/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912750 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25556356 Purchase Primary 2/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912751 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment penalty of 36 months exceeds GA limit of 24 months. Lender is XXX.          
25870765 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912752 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25986533 Refinance Rate/Term Primary 10/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912753 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25986533 Refinance Rate/Term Primary 10/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912754 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2005           Provide missing documentation
25563676 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912755 Missing Document: Missing Final 1003             Provide missing documentation
25563676 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912756 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
25563676 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912757 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25924453 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912759 Missing Document: Missing Final 1003             Provide missing documentation
25410176 Purchase Primary 3/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912758 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
25212074 Refinance Cash-out - Other Primary 4/XX/2005 NE $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912760 Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided) Nebraska Mortgage Bankers Registration and Licensing Act: Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower.            
25350496 Refinance Rate/Term Primary 11/XX/2006 MS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912761 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25560578 Purchase Primary 8/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912763 Missing Document: Missing Final 1003             Provide missing documentation
25560578 Purchase Primary 8/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912764 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25221382 Purchase Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912765 Missing Document: Missing Final 1003             Provide missing documentation
25221382 Purchase Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912766 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25221382 Purchase Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912767 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP expired. PPP of 5% for first 24 months exceeds VA limits of 2% of the amount of Prepayment. Lender Wilmington Finance, a division of AIG Federal Savings Bank.          
25494792 Refinance Rate/Term Primary 12/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13912770 (Doc Error) TIL Error: Borrower signature not dated.              
25494792 Refinance Rate/Term Primary 12/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13912771 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25494792 Refinance Rate/Term Primary 12/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912772 (Doc Error) Initial GFE not provided              
25494792 Refinance Rate/Term Primary 12/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912773 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25494792 Refinance Rate/Term Primary 12/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912774 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25186502 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912775 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25871014 Refinance Cash-out - Other Primary 5/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912776 South Carolina Consumer Protection Code - Attorney Preference Disclosure Not Provided South Carolina Consumer Protection Code: Attorney/Insurer Preference Disclosure not provided to borrower.            
25871014 Refinance Cash-out - Other Primary 5/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912777 South Carolina Consumer Protection Code (Co-Signer Disclosure Not Provided) South Carolina Consumer Protection Code: Cosigner (who is not spouse of borrower) was not provided with required Cosigner Disclosure.            
25871014 Refinance Cash-out - Other Primary 5/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912778 South Carolina CHL Complaint Agency Disclosure Timing Test South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25880516 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912779 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $275,884.22 is underdisclosed from calculated Finance Charge of $275,934.08 in the amount of $49.86. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25952705 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912784 Missing Document: Missing Final 1003             Provide missing documentation
25952705 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912785 Pennsylvania Consumer Discount Company Subordinate Lien Late Charge Percent and Amount Testing Note late charge exceeds maximum per state.            
25952705 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912786 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25952705 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912787 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25645131 Refinance Cash-out - Other Second Home 9/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912783 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
25349350 Purchase Primary 4/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13912788 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25064463 Refinance Cash-out - Other Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912790 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25351219 Refinance Rate/Term Primary 11/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912789 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25302419 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912791 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25302419 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912793 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25302419 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912795 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period is 10 days.          
25302419 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912796 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $651,688.13 is underdisclosed from calculated Finance Charge of $651,723.14 in the amount of $35.01. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25663802 Refinance Cash-out - Other Primary 4/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912797 (Doc Error) Initial GFE not provided              
25485550 Purchase Primary 9/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912792 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
25485550 Purchase Primary 9/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912794 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $193,367.37 is underdisclosed from calculated Finance Charge of $193,793.88 in the amount of $426.51. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25852491 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912798 Missing Document: Missing Final 1003             Provide missing documentation
25852491 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912799 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25852491 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912800 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25852491 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912801 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25103154 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Title Missing Document Credit Open   3 13912802 Title: Evidence of title is missing             Provide missing documentation
25103154 Refinance Cash-out - Other Primary 4/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912803 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.            
25328978 Purchase Primary 12/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912804 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003.           Provide missing documentation
25328978 Purchase Primary 12/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912805 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25328978 Purchase Primary 12/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912806 (Doc Error) Initial GFE not provided              
25937182 Purchase Primary 2/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13912807 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25673538 Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912811 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
25673538 Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912813 Missing Document: Missing Final 1003             Provide missing documentation
25099281 Purchase Primary 2/XX/2003 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912814 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25099281 Purchase Primary 2/XX/2003 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912815 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.           Provide missing documentation
25099281 Purchase Primary 2/XX/2003 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912816 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25099281 Purchase Primary 2/XX/2003 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912817 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25099281 Purchase Primary 2/XX/2003 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912820 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25099281 Purchase Primary 2/XX/2003 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912822 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $142,734.02 is underdisclosed from calculated Finance Charge of $146,842.19 in the amount of $4,108.17. Unable to determine the fee under disclosure due to missing the itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25099281 Purchase Primary 2/XX/2003 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912823 Missing Document: Missing Final 1003             Provide missing documentation
25099281 Purchase Primary 2/XX/2003 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912824 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.23800% is underdisclosed from calculated APR of 5.49165% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25984782 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912809 Missing Document: Missing Final 1003             Provide missing documentation
25984782 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912810 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25093556 Refinance Cash-out - Other Primary 3/XX/2003 ID $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912830 Missing Document: Missing Final 1003             Provide missing documentation
25093556 Refinance Cash-out - Other Primary 3/XX/2003 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912831 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003.           Provide missing documentation
25243238 Purchase Primary 9/XX/1995 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912818 Missing Document: Missing Final 1003             Provide missing documentation
25243238 Purchase Primary 9/XX/1995 NJ $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912819 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25243238 Purchase Primary 9/XX/1995 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912821 (Doc Error) Initial GFE not provided              
25243238 Purchase Primary 9/XX/1995 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912825 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1995 used as disbursement date for compliance testing.           Provide missing documentation
25243238 Purchase Primary 9/XX/1995 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912826 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25243238 Purchase Primary 9/XX/1995 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912827 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1995 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/1995. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25243238 Purchase Primary 9/XX/1995 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912828 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25243238 Purchase Primary 9/XX/1995 NJ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13912829 Missing Document: Appraisal not provided             Provide missing documentation
25850498 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912838 Missing Document: Missing Final 1003             Provide missing documentation
25850498 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912839 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25850498 Refinance Cash-out - Other Primary 9/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912840 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25752990 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912832 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25752990 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912833 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25752990 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912834 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25752990 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912835 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25752990 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912836 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25752990 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912837 (Doc Error) Initial GFE not provided              
25604936 Refinance Rate/Term Primary 11/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912841 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25604936 Refinance Rate/Term Primary 11/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912842 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25604936 Refinance Rate/Term Primary 11/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912843 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25604936 Refinance Rate/Term Primary 11/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912844 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25604936 Refinance Rate/Term Primary 11/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912845 Missing Document: Missing Final 1003             Provide missing documentation
25148674 Purchase Primary 5/XX/2002 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912846 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2001.           Provide missing documentation
25111900 Purchase Primary 12/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912847 Missing Document: Missing Final 1003             Provide missing documentation
25111900 Purchase Primary 12/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912848 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
25659724 Refinance Cash-out - Other Primary 2/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912849 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25659724 Refinance Cash-out - Other Primary 2/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912850 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25260612 Refinance Cash-out - Other Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912851 Missing Document: Missing Final 1003             Provide missing documentation
25260612 Refinance Cash-out - Other Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912852 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25414266 Purchase Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912857 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25289531 Purchase Primary 12/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912859 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
25289531 Purchase Primary 12/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912860 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
25385692 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912858 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25862844 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912861 Missing Document: Missing Final 1003             Provide missing documentation
25862844 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912862 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25862844 Refinance Cash-out - Other Primary 12/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912863 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25188678 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912864 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25411974 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912865 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25411974 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912866 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25282235 Purchase Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912867 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25282235 Purchase Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912868 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25282235 Purchase Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912869 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $365,013.38 is underdisclosed from calculated Finance Charge of $366,198.70 in the amount of $1,185.32. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25282235 Purchase Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13912870 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25279669 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912875 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25279669 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912876 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
25563702 Purchase Primary 9/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912871 Missing Document: Missing Final 1003             Provide missing documentation
25563702 Purchase Primary 9/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912872 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25563702 Purchase Primary 9/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912873 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25563702 Purchase Primary 9/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13912874 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25690094 Refinance Cash-out - Other Primary 6/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912877 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25855809 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912878 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25855809 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912879 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25855809 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912880 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25712099 Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912881 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25712099 Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912882 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25384956 Purchase Primary 1/XX/2008 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912883 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25735503 Refinance Rate/Term Primary 11/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912884 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25735503 Refinance Rate/Term Primary 11/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912885 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25735503 Refinance Rate/Term Primary 11/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912886 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25735503 Refinance Rate/Term Primary 11/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912887 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25670740 Purchase Primary 5/XX/2008 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912888 Missing Document: Missing Final 1003             Provide missing documentation
25670740 Purchase Primary 5/XX/2008 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912889 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008.           Provide missing documentation
25495701 Refinance Cash-out - Other Primary 7/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912890 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25659710 Purchase Primary 7/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912892 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008.           Provide missing documentation
25659710 Purchase Primary 7/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912893 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25659710 Purchase Primary 7/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912894 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25659710 Purchase Primary 7/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912895 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25939720 Purchase Primary 8/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13912896 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25939720 Purchase Primary 8/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912897 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008.           Provide missing documentation
25939720 Purchase Primary 8/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912898 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25524128 Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912899 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25524128 Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912900 Missing Document: Missing Final 1003             Provide missing documentation
25524128 Purchase Primary 9/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912901 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2008.           Provide missing documentation
25341306 Purchase Primary 5/XX/2010 DE $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912906 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
25341306 Purchase Primary 5/XX/2010 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912907 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
25341306 Purchase Primary 5/XX/2010 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912908 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25341306 Purchase Primary 5/XX/2010 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912909 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
25341306 Purchase Primary 5/XX/2010 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912910 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25341306 Purchase Primary 5/XX/2010 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912911 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25385984 Refinance Cash-out - Other Primary 8/XX/2001 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912902 Missing Document: Missing Final 1003             Provide missing documentation
25385984 Refinance Cash-out - Other Primary 8/XX/2001 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912904 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25332312 Purchase Primary 9/XX/2013 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912912 RESPA (2010) - 0% Tolerance (Line 801) Without Cure RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
25332312 Purchase Primary 9/XX/2013 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912913 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25332312 Purchase Primary 9/XX/2013 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912914 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
25332312 Purchase Primary 9/XX/2013 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912915 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25332312 Purchase Primary 9/XX/2013 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912916 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25112811 Refinance Rate/Term Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13912903 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25112811 Refinance Rate/Term Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912905 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001.           Provide missing documentation
25022862 Refinance Rate/Term Primary 12/XX/2005 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912917 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25022862 Refinance Rate/Term Primary 12/XX/2005 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912918 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25022862 Refinance Rate/Term Primary 12/XX/2005 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912919 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25022862 Refinance Rate/Term Primary 12/XX/2005 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912920 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25136624 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912921 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25136624 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912922 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25216834 Construction-Permanent Primary 5/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912923 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25216834 Construction-Permanent Primary 5/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912924 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25431465 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912925 Missing Document: Missing Final 1003             Provide missing documentation
25431465 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912926 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25431465 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912927 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25431465 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912928 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25431465 Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912929 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912930 Missing Document: Missing Final 1003             Provide missing documentation
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912932 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912934 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912935 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912937 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912939 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912941 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912943 (Doc Error) Initial GFE not provided              
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13912945 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13912946 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13912949 Missing Document: Credit Report not provided             Provide missing documentation
25638187 Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912950 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912959 Missing Document: Missing Final 1003             Provide missing documentation
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912960 (Doc Error) Initial GFE not provided              
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912961 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912962 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912963 Maryland Late Charge Grace Period Testing Note grace period less than minimum per state. Note grace period of 10 days is less than minimum of 15 days per state of MD.          
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912964 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912965 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912966 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25498310 Refinance UTD Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912967 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25001545 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912953 Missing Document: Missing Final 1003             Provide missing documentation
25001545 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912954 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25001545 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912955 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25001545 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912956 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25001545 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912957 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25001545 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912958 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912931 Missing Document: Missing Final 1003             Provide missing documentation
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912933 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912936 (Doc Error) Initial GFE not provided              
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13912938 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912940 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912942 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912944 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Unable to clear exception with documentation that was provided. Received Estimated seller HUD. Provide missing documentation
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912947 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912948 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912951 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25215368 UTD UTD Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912952 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25496835 Purchase Primary 2/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912968 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912969 Missing Document: Missing Final 1003             Provide missing documentation
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912970 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912971 (Doc Error) Initial GFE not provided              
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13912972 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912973 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912974 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912975 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13912977 Massachusetts Borrower's Interest Tangible Net Benefit Test Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.            
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13912978 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912979 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Unable to clear exception with documentation that was provided. Received previously provided final HUD         Provide missing documentation
25486952 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912980 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912981 Missing Document: Missing Final 1003             Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13912982 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13912983 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13912984 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912985 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912986 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13912987 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912988 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912989 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13912990 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13912991 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13912992 (Doc Error) Initial GFE not provided              
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 FHA MIP Document Error Compliance Open   3 13912993 Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.             Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13912994 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)           Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13912995 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25042182 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13912996 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25657027 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912997 Missing Document: Missing Final 1003             Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913000 Missing Document: Missing Final 1003             Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913001 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/10/2018 1 13913004 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Received HUD, exception cleared Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/10/2018 1 13913008 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-08-15): Received HUD, exception cleared Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913010 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913013 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913016 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13913019 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913022 (Doc Error) Initial GFE not provided              
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13913023 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13913026 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25906696 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913027 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003.           Provide missing documentation
25090487 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913002 Missing Document: Missing Final 1003             Provide missing documentation
25090487 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13913006 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13912998 Missing Document: Missing Final 1003             Provide missing documentation
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13912999 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13913003 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913007 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913014 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13913020 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913024 (Doc Error) Initial GFE not provided              
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913031 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913032 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913034 Missing Document: Credit Report not provided             Provide missing documentation
25938803 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13913035 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25344689 Purchase Primary 12/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913036 (Doc Error) Initial GFE not provided              
25344689 Purchase Primary 12/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913037 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25344689 Purchase Primary 12/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913038 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25344689 Purchase Primary 12/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913039 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25344689 Purchase Primary 12/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913040 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25344689 Purchase Primary 12/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913041 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25483086 Refinance Rate/Term Primary 10/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913042 Missing Document: Missing Final 1003             Provide missing documentation
25483086 Refinance Rate/Term Primary 10/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913043 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25483086 Refinance Rate/Term Primary 10/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913044 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25483086 Refinance Rate/Term Primary 10/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913045 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25483086 Refinance Rate/Term Primary 10/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913046 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25737577 Refinance Cash-out - Other Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913047 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25737577 Refinance Cash-out - Other Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913048 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
25737577 Refinance Cash-out - Other Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913049 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25737577 Refinance Cash-out - Other Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913050 Missing Document: Missing Final 1003             Provide missing documentation
25535395 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913055 Missing Document: Missing Final 1003             Provide missing documentation
25535395 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913057 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25535395 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913062 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25535395 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913064 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913070 Missing Document: Missing Final 1003             Provide missing documentation
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913071 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/10/2018 1 13913072 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Received Final HUD-1, exception cleared. Provide missing documentation
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/10/2018 1 13913073 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-08-15): Received Final HUD-1, exception cleared. Provide missing documentation
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913074 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913076 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913077 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13913078 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13913079 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913080 (Doc Error) Initial GFE not provided              
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13913081 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25248194 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913082 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
25260971 Purchase Primary 10/XX/2008 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13913075 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25112017 Purchase Primary 2/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913083 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25112017 Purchase Primary 2/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913084 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25227925 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913085 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25227925 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913086 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25227925 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913087 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
25227925 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913088 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25227925 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913092 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $988,979.10 is underdisclosed from calculated Finance Charge of $989,582.71 in the amount of $603.61. TIL itemization did not disclose an escrow waiver fee of $500.00 as a prepaid finance charge. Also, there is a variance of $104.45 between the final TIL 1st pay stream and the calculated 1st pay stream.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25785758 Refinance Rate/Term Primary 7/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913089 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25785758 Refinance Rate/Term Primary 7/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913090 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25785758 Refinance Rate/Term Primary 7/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913091 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25890342 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913093 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25890342 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913094 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25890342 Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913095 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25485947 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913097 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25485947 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913098 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25485947 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913099 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25485947 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13913100 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
25485947 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913101 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $330,846.33 is underdisclosed from calculated Finance Charge of $330,929.21 in the amount of $82.88. Under-disclosure is fee related. Unable to determine under-disclosure due to the Final TIL Itemization is missing from the file.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25485947 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13913103 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25984057 Purchase Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913102 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25984057 Purchase Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913104 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25984057 Purchase Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913105 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25984057 Purchase Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913106 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25984057 Purchase Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913107 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25984057 Purchase Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913108 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $829,638.61 is underdisclosed from calculated Finance Charge of $830,552.25 in the amount of $913.64. The Lender's TIL reflects MI dropping off after 153 months, however, the audited TIL indicates MI should drop off after 166 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25143597 Refinance Rate/Term Primary 3/XX/2003 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13913125 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 04/XX/2010 Inspection Date:            
25143597 Refinance Rate/Term Primary 3/XX/2003 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913126 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $258,701.34 is underdisclosed from calculated Finance Charge of $258,941.05 in the amount of $239.71. Lender Credit of $2291.22 on page 1 line 206 , but no itemization in file.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25571852 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913130 Federal FACTA Disclosure FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Could not locate in File          
25571852 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913132 RESPA Affiliated Business Arangement Disclosure Compliant RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. Unsigned          
25571852 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913133 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL in file presumed to be the Final TIL is dated the same as the funding date and is unsigned.          
25571852 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913134 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file presumed to be the Final TIL is dated the same as the funding date and is unsigned.          
25571852 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913135 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005 12:00:00 AM, prior to three (3) business days from transaction date of 10/XX/2005 12:00:00 AM. TIL in file presumed to be the Final TIL is dated the same as the funding date and is unsigned.         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25571852 Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913136 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25057484 Refinance Cash-out - Other Primary 8/XX/2008 FL $XXX Loan Review Complete 08/15/2019 TIL Missing Document Compliance Open   2 13913124 Initial TIL not provided   Til Is missing          
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913114 Missing Document: Missing Final 1003             Provide missing documentation
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13913115 Missing Document: Flood Certificate not provided             Provide missing documentation
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13913116 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913117 (Doc Error) Initial GFE not provided              
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913118 (Missing Data) Flood Hazard Zone Special Flood Hazard Zone indicator was not provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13913119 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913120 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 6/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 1/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913121 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Missing documentation to determine the occupancy and purpose therefore compliance review defaulted to owner occupied/cash out refinance.         Provide missing documentation
25479197 Refinance Cash-out - Other Primary 7/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913122 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25719626 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913127 Missing Document: Missing Final 1003             Provide missing documentation
25719626 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913128 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
25719626 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913129 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25719626 Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913131 (Doc Error) Initial GFE not provided              
25806230 Refinance Rate/Term Primary 9/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913138 Missing Document: Missing Final 1003             Provide missing documentation
25806230 Refinance Rate/Term Primary 9/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913139 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 8/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 8/XX/2006.           Provide missing documentation
25806230 Refinance Rate/Term Primary 9/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913140 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25750660 Purchase Primary 11/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913145 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $297,503.30 is underdisclosed from calculated Finance Charge of $298,252.14 in the amount of $748.84. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be payment stream related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25750660 Purchase Primary 11/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13913150 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25750660 Purchase Primary 11/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13913151 Missing Document: FHA Mortgage Insurance Certificate not provided   High Cost testing complete - Premium and terms documented in file       (2019-08-15): Received the same original image file, no new docs received. No changes made. Provide missing documentation
25004693 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913141 Missing Document: Missing Final 1003             Provide missing documentation
25004693 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913142 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
25004693 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913143 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25004693 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913144 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/1999, prior to three (3) business days from transaction date of 08/XX/1999.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25686775 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913146 Missing Document: Missing Final 1003             Provide missing documentation
25686775 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913147 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25686775 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913148 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25686775 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913149 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1999.           Provide missing documentation
25003826 Refinance Rate/Term Primary 12/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913153 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
25003826 Refinance Rate/Term Primary 12/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913154 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25003826 Refinance Rate/Term Primary 12/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913155 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/1999, prior to three (3) business days from transaction date of 12/XX/1999.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25003826 Refinance Rate/Term Primary 12/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913156 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.            
25003826 Refinance Rate/Term Primary 12/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913157 (Doc Error) TIL Error: Borrower signature not dated.           (2019-08-15): Unable to clear with Final TIL received, signature not dated.  
25666616 Refinance Cash-out - Other Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913161 Missing Document: Missing Final 1003             Provide missing documentation
25666616 Refinance Cash-out - Other Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913162 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
25666616 Refinance Cash-out - Other Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913163 (Doc Error) TIL Error: Borrower signature not dated.              
25666616 Refinance Cash-out - Other Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913164 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25666616 Refinance Cash-out - Other Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913165 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25666616 Refinance Cash-out - Other Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913166 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/1999, prior to three (3) business days from transaction date of 09/XX/1999.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25549178 Refinance Rate/Term Primary 5/XX/1999 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913167 Missing Document: Missing Final 1003             Provide missing documentation
25549178 Refinance Rate/Term Primary 5/XX/1999 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913169 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
25549178 Refinance Rate/Term Primary 5/XX/1999 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913171 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1998.           Provide missing documentation
25549178 Refinance Rate/Term Primary 5/XX/1999 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913174 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25178033 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913176 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
25178033 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913180 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1999.           Provide missing documentation
25178033 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13913182 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge of 5% exceeds state (NC) limit of 4%.          
25178033 Refinance Cash-out - Debt Consolidation Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913183 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/1999, prior to three (3) business days from transaction date of 08/XX/1999.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25880291 Refinance Cash-out - Debt Consolidation Investment 9/XX/1999 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913172 Missing Document: Missing Final 1003             Provide missing documentation
25880291 Refinance Cash-out - Debt Consolidation Investment 9/XX/1999 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913175 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/1999.           Provide missing documentation
25880291 Refinance Cash-out - Debt Consolidation Investment 9/XX/1999 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13913177 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. Grace period of 10 days is less than the minimum 15 days for the state of Pennsylvania.          
25381039 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913173 Missing Document: Missing Final 1003             Provide missing documentation
25381039 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13913178 Missing Document: Note - Subject Lien not provided             Provide missing documentation
25381039 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913179 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/1999.           Provide missing documentation
25381039 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913181 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25715715 Purchase Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913184 Missing Document: Missing Final 1003             Provide missing documentation
25715715 Purchase Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913185 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
25715715 Purchase Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13913186 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25715715 Purchase Primary 9/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913187 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25701362 Purchase Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913189 Missing Document: Missing Final 1003             Provide missing documentation
25701362 Purchase Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913190 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/1999.           Provide missing documentation
25701362 Purchase Primary 8/XX/1999 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913191 (Doc Error) Initial GFE not provided              
25737500 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913188 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25426482 Refinance Cash-out - Other Primary 11/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913192 Missing Document: Credit Report not provided             Provide missing documentation
25426482 Refinance Cash-out - Other Primary 11/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913193 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1999.           Provide missing documentation
25426482 Refinance Cash-out - Other Primary 11/XX/1999 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913194 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25796497 Refinance Cash-out - Debt Consolidation Investment 1/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913195 Missing Document: Missing Final 1003             Provide missing documentation
25938926 Refinance Cash-out - Other Investment 1/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913196 Missing Document: Missing Final 1003             Provide missing documentation
25938926 Refinance Cash-out - Other Investment 1/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913197 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $515.94 does not match Calculated P&I of $515.74           Provide missing documentation
25918639 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913198 Missing Document: Missing Final 1003             Provide missing documentation
25918639 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913199 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $201,059.67 is underdisclosed from calculated Finance Charge of $201,814.15 in the amount of $754.48. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25996955 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913200 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25996955 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13913201 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Unable to clear exception with documents received. Provide missing documentation
25996955 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913202 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25996955 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913203 (Doc Error) TIL Error: Borrower signature not dated.              
25996955 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13913204 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25996955 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913205 Missing Document: Missing Final 1003             Provide missing documentation
25996955 Purchase Primary 1/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Open   3 13913206 Incomplete Document: Note - Subject Lien is incomplete   Note does not state principal balance and interest rate.          
25445211 Purchase Primary 3/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913207 Missing Document: Missing Final 1003             Provide missing documentation
25445211 Purchase Primary 3/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913208 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.37000% is underdisclosed from calculated APR of 9.56864% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25445211 Purchase Primary 3/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913209 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $48,493.58 is underdisclosed from calculated Finance Charge of $48,932.44 in the amount of $438.86. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Title Attorney Fee in the amount of $450, Recording Service Fee in the amount of $16 and the Flood Certification Fee in the amount of $30 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25445211 Purchase Primary 3/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913210 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25690291 Refinance Rate/Term Primary 4/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913211 Missing Document: Missing Final 1003             Provide missing documentation
25690291 Refinance Rate/Term Primary 4/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913212 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25690291 Refinance Rate/Term Primary 4/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913213 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2000, prior to three (3) business days from transaction date of 04/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25690291 Refinance Rate/Term Primary 4/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913214 Missing Document: Credit Report not provided             Provide missing documentation
25516014 Purchase Primary 6/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913216 Missing Document: Credit Report not provided             Provide missing documentation
25516014 Purchase Primary 6/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913217 Missing Document: Missing Final 1003             Provide missing documentation
25516014 Purchase Primary 6/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913218 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.95000% is underdisclosed from calculated APR of 11.19840% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25516014 Purchase Primary 6/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913219 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $44,631.38 is underdisclosed from calculated Finance Charge of $45,002.72 in the amount of $371.34. TIL itemization did not include the $450 attorney fee as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25107815 Refinance Rate/Term Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913220 Missing Document: Missing Final 1003             Provide missing documentation
25107815 Refinance Rate/Term Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913221 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $1,267.13 does not match Calculated P&I of $1,266.28           Provide missing documentation
25107815 Refinance Rate/Term Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913224 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25107815 Refinance Rate/Term Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913225 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2000, prior to three (3) business days from transaction date of 07/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25197540 Refinance Cash-out - Other Primary 5/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913226 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25197540 Refinance Cash-out - Other Primary 5/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13913227 North Carolina Home Loan (Impermissible Prepayment Penalty) North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty.            
25197540 Refinance Cash-out - Other Primary 5/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913228 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2000, prior to three (3) business days from transaction date of 05/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25197540 Refinance Cash-out - Other Primary 5/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913229 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25197540 Refinance Cash-out - Other Primary 5/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913230 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $444.55 does not match Calculated P&I of $444.31           Provide missing documentation
25733556 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913231 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25733556 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913232 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2000.           Provide missing documentation
25733556 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913233 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25733556 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913234 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2000, prior to three (3) business days from transaction date of 07/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25733556 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913235 Missing Document: Credit Report not provided             Provide missing documentation
25651207 Purchase Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913237 Missing Document: Missing Final 1003             Provide missing documentation
25651207 Purchase Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913238 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25651207 Purchase Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13913239 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25651207 Purchase Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913240 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25719513 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913242 Missing Document: Missing Final 1003             Provide missing documentation
25719513 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913243 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25719513 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913244 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2000.           Provide missing documentation
25719513 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913245 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25719513 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913246 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2000, prior to three (3) business days from transaction date of 07/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25719513 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913247 Missing Document: Credit Report not provided             Provide missing documentation
25281529 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913248 Missing Document: Missing Final 1003             Provide missing documentation
25281529 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913249 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2000.           Provide missing documentation
25281529 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913250 Missing Document: Credit Report not provided             Provide missing documentation
25698238 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913251 Missing Document: Missing Final 1003             Provide missing documentation
25698238 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913252 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $490.15 does not match Calculated P&I of $489.89           Provide missing documentation
25698238 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913253 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25401162 Purchase Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913254 Missing Document: Missing Final 1003             Provide missing documentation
25401162 Purchase Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913256 Missing Document: Credit Report not provided             Provide missing documentation
25304582 Refinance Rate/Term Primary 8/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913257 Missing Document: Missing Final 1003             Provide missing documentation
25304582 Refinance Rate/Term Primary 8/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913258 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25304582 Refinance Rate/Term Primary 8/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913259 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.            
25304582 Refinance Rate/Term Primary 8/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913260 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2000, prior to three (3) business days from transaction date of 08/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25304582 Refinance Rate/Term Primary 8/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913266 Missing Document: Credit Report not provided             Provide missing documentation
25114755 Refinance Rate/Term Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913261 Missing Document: Missing Final 1003             Provide missing documentation
25114755 Refinance Rate/Term Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913263 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2000, prior to three (3) business days from transaction date of 09/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25114755 Refinance Rate/Term Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913264 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25114755 Refinance Rate/Term Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913265 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25114755 Refinance Rate/Term Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913268 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $481.30 does not match Calculated P&I of $479.67           Provide missing documentation
25626879 Purchase Primary 10/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913255 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $529.53 does not match Calculated P&I of $528.53           Provide missing documentation
25452632 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913262 Missing Document: Missing Final 1003             Provide missing documentation
25452632 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913267 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25452632 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13913269 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25452632 Purchase Primary 8/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913270 Missing Document: Credit Report not provided             Provide missing documentation
25137997 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913271 Missing Document: Missing Final 1003             Provide missing documentation
25137997 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913273 Missing Document: Credit Report not provided             Provide missing documentation
25491345 Refinance Rate/Term Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913272 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25491345 Refinance Rate/Term Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913274 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25491345 Refinance Rate/Term Primary 9/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913275 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $125,951.22 is underdisclosed from calculated Finance Charge of $126,201.90 in the amount of $250.68. The itemization of amount financed did not include the attorney fee of $250 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25768182 Refinance Cash-out - Debt Consolidation Primary 10/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913276 Missing Document: Missing Final 1003             Provide missing documentation
25768182 Refinance Cash-out - Debt Consolidation Primary 10/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913277 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25768182 Refinance Cash-out - Debt Consolidation Primary 10/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913278 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2000, prior to three (3) business days from transaction date of 10/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25768182 Refinance Cash-out - Debt Consolidation Primary 10/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913279 Missing Document: Credit Report not provided             Provide missing documentation
25412783 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913280 Missing Document: Missing Final 1003             Provide missing documentation
25412783 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913281 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.21000% is underdisclosed from calculated APR of 10.37307% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25412783 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913282 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $125,190.40 is underdisclosed from calculated Finance Charge of $125,910.50 in the amount of $720.10. TIL itemization did not disclose an attorney fee of $750 or a courier fee of $30 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25412783 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913283 Missing Document: Credit Report not provided             Provide missing documentation
25690272 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913284 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $130,264.06 is underdisclosed from calculated Finance Charge of $130,392.73 in the amount of $128.67. TIL itemization did not include the $30 flood cert fee or the $100 settlement fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25411254 Refinance Cash-out - Other Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913285 Missing Document: Missing Final 1003             Provide missing documentation
25411254 Refinance Cash-out - Other Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913286 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2000.           Provide missing documentation
25411254 Refinance Cash-out - Other Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913287 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2000, prior to three (3) business days from transaction date of 12/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25411254 Refinance Cash-out - Other Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913288 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $610.52 does not match Calculated P&I of $615.60           Provide missing documentation
25411254 Refinance Cash-out - Other Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913289 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25160624 Purchase Primary 11/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913290 Missing Document: Missing Final 1003             Provide missing documentation
25160624 Purchase Primary 11/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913291 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $346.34 does not match Calculated P&I of $346.03           Provide missing documentation
25750499 Purchase Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913292 Missing Document: Missing Final 1003             Provide missing documentation
25750499 Purchase Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913293 Missing Document: Credit Report not provided             Provide missing documentation
25750499 Purchase Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913294 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $249.77 does not match Calculated P&I of $249.22           Provide missing documentation
25220201 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913295 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25220201 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913296 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $744.01 does not match Calculated P&I of $741.08           Provide missing documentation
25220201 Purchase Primary 11/XX/2000 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913297 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $105,748.86 is underdisclosed from calculated Finance Charge of $105,854.06 in the amount of $105.20. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Title Attorney Fees in the amount of $755 nor the Title Courier Fees in the amount of $35 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25139293 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913298 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25139293 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913299 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2000.           Provide missing documentation
25139293 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913300 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25139293 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913301 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2001, prior to three (3) business days from transaction date of 02/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25139293 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913302 Missing Document: Credit Report not provided             Provide missing documentation
25139293 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913303 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $749.22 does not match Calculated P&I of $748.18           Provide missing documentation
25313056 Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913307 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25313056 Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913312 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2001, prior to three (3) business days from transaction date of 03/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25313056 Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913314 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $464.72 does not match Calculated P&I of $464.18           Provide missing documentation
25006913 Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913306 Missing Document: Missing Final 1003             Provide missing documentation
25006913 Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913311 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25006913 Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913315 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2000, prior to three (3) business days from transaction date of 12/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25006913 Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/11/2019 1 13913317 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Received Final TIL, exception cleared. Provide missing documentation
25006913 Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913319 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25006913 Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913320 Missing Document: Credit Report not provided             Provide missing documentation
25006913 Refinance Cash-out - Debt Consolidation Primary 12/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913322 (Doc Error) TIL Error: Borrower signature not dated.              
25206755 Refinance Rate/Term Primary 2/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913304 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.            
25206755 Refinance Rate/Term Primary 2/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913305 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2001, prior to three (3) business days from transaction date of 02/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25206755 Refinance Rate/Term Primary 2/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913308 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25206755 Refinance Rate/Term Primary 2/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913309 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25846314 Refinance Cash-out - Other Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913310 Missing Document: Missing Final 1003             Provide missing documentation
25846314 Refinance Cash-out - Other Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913313 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25846314 Refinance Cash-out - Other Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913316 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2000.           Provide missing documentation
25846314 Refinance Cash-out - Other Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913318 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $29,054.64 is underdisclosed from calculated Finance Charge of $29,153.08 in the amount of $98.44. TIL itemization did not disclose an attorney fee of $125 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25846314 Refinance Cash-out - Other Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913321 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2001, prior to three (3) business days from transaction date of 03/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25846314 Refinance Cash-out - Other Primary 3/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913323 Missing Document: Credit Report not provided             Provide missing documentation
25349278 Refinance Cash-out - Other Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913325 Missing Document: Missing Final 1003             Provide missing documentation
25349278 Refinance Cash-out - Other Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913326 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25349278 Refinance Cash-out - Other Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913327 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25349278 Refinance Cash-out - Other Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913328 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2001, prior to three (3) business days from transaction date of 04/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25534209 Refinance Rate/Term Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913329 Missing Document: Missing Final 1003             Provide missing documentation
25534209 Refinance Rate/Term Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913330 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25534209 Refinance Rate/Term Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913331 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000.           Provide missing documentation
25534209 Refinance Rate/Term Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913332 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2001, prior to three (3) business days from transaction date of 04/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25534209 Refinance Rate/Term Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913333 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25534209 Refinance Rate/Term Primary 4/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913334 Missing Document: Credit Report not provided             Provide missing documentation
25641569 Purchase Primary 5/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913335 Missing Document: Missing Final 1003             Provide missing documentation
25641569 Purchase Primary 5/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913336 Missing Document: Credit Report not provided             Provide missing documentation
25641569 Purchase Primary 5/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913338 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $61,843.81 is underdisclosed from calculated Finance Charge of $61,999.40 in the amount of $155.59. TIL itemization did not include the $125 settlement fee as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25890646 Purchase Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913337 Missing Document: Missing Final 1003             Provide missing documentation
25890646 Purchase Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913339 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $102,446.57 is underdisclosed from calculated Finance Charge of $102,654.87 in the amount of $208.30. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Recording Service Fee in the amount of $16, Title Settlement Fee in the amount of $250 nor the Flood Certification Fee in the amount of $30 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25890646 Purchase Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913340 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $412.22 does not match Calculated P&I of $411.97           Provide missing documentation
25030995 Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913341 Missing Document: Missing Final 1003             Provide missing documentation
25030995 Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913342 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2001, prior to three (3) business days from transaction date of 05/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25030995 Refinance Cash-out - Debt Consolidation Primary 5/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913343 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25222710 Refinance Rate/Term Primary 5/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913344 Missing Document: Missing Final 1003             Provide missing documentation
25222710 Refinance Rate/Term Primary 5/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913345 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25222710 Refinance Rate/Term Primary 5/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913346 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25222710 Refinance Rate/Term Primary 5/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913347 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2001, prior to three (3) business days from transaction date of 05/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25222710 Refinance Rate/Term Primary 5/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913348 Missing Document: Credit Report not provided             Provide missing documentation
25830467 Purchase Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913350 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $122,592.93 is underdisclosed from calculated Finance Charge of $122,717.02 in the amount of $124.09. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Title Attorney Fees in the amount of $425 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25830467 Purchase Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913351 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $479.79 does not match Calculated P&I of $478.88           Provide missing documentation
25830467 Purchase Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913352 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25798270 Refinance Rate/Term Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913353 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25798270 Refinance Rate/Term Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913354 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2001, prior to three (3) business days from transaction date of 06/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25798270 Refinance Rate/Term Primary 6/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913355 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25362700 Refinance Rate/Term Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913356 Missing Document: Missing Final 1003             Provide missing documentation
25362700 Refinance Rate/Term Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913357 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25362700 Refinance Rate/Term Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913358 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2001, prior to three (3) business days from transaction date of 07/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25868608 Purchase Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913361 Missing Document: Missing Final 1003             Provide missing documentation
25868608 Purchase Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913362 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 13.28000% is underdisclosed from calculated APR of 13.42445% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25868608 Purchase Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913363 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $154,829.69 is underdisclosed from calculated Finance Charge of $155,206.01 in the amount of $376.32. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Title Attorney Fees in the amount of $500 nor the Flood Certification Fee in the amount of $30 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25868608 Purchase Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913364 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $570.52 does not match Calculated P&I of $570.05           Provide missing documentation
25868608 Purchase Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913365 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25531011 Refinance Cash-out - Other Investment 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913359 Missing Document: Missing Final 1003             Provide missing documentation
25531011 Refinance Cash-out - Other Investment 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913360 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25638017 Refinance Rate/Term Primary 8/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913371 Missing Document: Missing Final 1003             Provide missing documentation
25638017 Refinance Rate/Term Primary 8/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913373 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25638017 Refinance Rate/Term Primary 8/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913376 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2001, prior to three (3) business days from transaction date of 08/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25234381 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913366 Missing Document: Missing Final 1003             Provide missing documentation
25234381 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913367 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25234381 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913368 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2001, prior to three (3) business days from transaction date of 07/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25234381 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913369 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25234381 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913370 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25451460 Refinance Cash-out - Debt Consolidation Primary 10/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913372 Missing Document: Missing Final 1003             Provide missing documentation
25451460 Refinance Cash-out - Debt Consolidation Primary 10/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913374 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25451460 Refinance Cash-out - Debt Consolidation Primary 10/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913377 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2001, prior to three (3) business days from transaction date of 10/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25854884 Refinance Cash-out - Debt Consolidation Primary 8/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913375 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25854884 Refinance Cash-out - Debt Consolidation Primary 8/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913378 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $80,873.26 is underdisclosed from calculated Finance Charge of $81,173.27 in the amount of $300.01. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Prepaid Interest Charges in the amount of $16.93 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25399149 Refinance Rate/Term Primary 11/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913382 Missing Document: Missing Final 1003             Provide missing documentation
25399149 Refinance Rate/Term Primary 11/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913384 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $53,905.71 is underdisclosed from calculated Finance Charge of $54,205.60 in the amount of $299.89. Itemization of amount financed did not disclose $258.28 prepaid interest.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25399149 Refinance Rate/Term Primary 11/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913385 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2001, prior to three (3) business days from transaction date of 11/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25399149 Refinance Rate/Term Primary 11/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913386 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25514680 Purchase Primary 12/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913379 Missing Document: Missing Final 1003             Provide missing documentation
25514680 Purchase Primary 12/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913380 Missing Document: Credit Report not provided             Provide missing documentation
25514680 Purchase Primary 12/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913381 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.84000% is underdisclosed from calculated APR of 10.99007% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25514680 Purchase Primary 12/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913383 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $94,265.20 is underdisclosed from calculated Finance Charge of $94,907.68 in the amount of $642.48. Itemization did not disclose $603.28 Attorney fees, $20 flood determination fee, or $19 recording fee therefore causing under disclosure.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25254000 Refinance Rate/Term Primary 11/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913387 Missing Document: Missing Final 1003             Provide missing documentation
25254000 Refinance Rate/Term Primary 11/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913388 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25254000 Refinance Rate/Term Primary 11/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913389 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2001, prior to three (3) business days from transaction date of 11/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25254000 Refinance Rate/Term Primary 11/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913390 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25254000 Refinance Rate/Term Primary 11/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913391 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25254000 Refinance Rate/Term Primary 11/XX/2001 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13913392 Missing Document: Appraisal not provided             Provide missing documentation
25448046 Purchase Primary 12/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913393 Missing Document: Missing Final 1003             Provide missing documentation
25448046 Purchase Primary 12/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913394 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $147,812.03 is underdisclosed from calculated Finance Charge of $148,342.00 in the amount of $529.97. Itemization did not disclose $500 Attorney fees or $30 Flood cert therefore causing under disclosure.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25448046 Purchase Primary 12/XX/2001 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913395 Missing Document: Credit Report not provided             Provide missing documentation
25601819 Purchase Primary 2/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913396 Missing Document: Missing Final 1003             Provide missing documentation
25601819 Purchase Primary 2/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913397 (Doc Error) TIL Error: Borrower signature not dated.              
25601819 Purchase Primary 2/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913399 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $135,815.84 is underdisclosed from calculated Finance Charge of $136,585.68 in the amount of $769.84. Itemization only disclosed the $1500 origination fee as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25989591 Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913398 Missing Document: Missing Final 1003             Provide missing documentation
25989591 Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913400 Missing Document: Security Instrument not provided             Provide missing documentation
25989591 Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913401 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 01/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25989591 Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913402 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25989591 Refinance Cash-out - Debt Consolidation Primary 1/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913403 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2002, prior to three (3) business days from transaction date of 01/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25259121 Refinance Rate/Term Primary 1/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913404 Missing Document: Missing Final 1003             Provide missing documentation
25259121 Refinance Rate/Term Primary 1/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913405 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25259121 Refinance Rate/Term Primary 1/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913406 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2002, prior to three (3) business days from transaction date of 01/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25259121 Refinance Rate/Term Primary 1/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913407 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25704318 Refinance Cash-out - Other Primary 2/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913408 Missing Document: Missing Final 1003             Provide missing documentation
25704318 Refinance Cash-out - Other Primary 2/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913409 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $97,099.09 is underdisclosed from calculated Finance Charge of $97,459.25 in the amount of $360.16. The itemization of amount financed did not include the attorney fee of $300 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25704318 Refinance Cash-out - Other Primary 2/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913410 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25142754 Refinance Rate/Term Primary 3/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913411 Missing Document: Missing Final 1003             Provide missing documentation
25142754 Refinance Rate/Term Primary 3/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913412 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25142754 Refinance Rate/Term Primary 3/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913413 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $122,200.27 is underdisclosed from calculated Finance Charge of $122,602.19 in the amount of $401.92. The Itemization of Amount Financed did not included the following fees as financed amount: Flood Cert. $30, Processing Fee $150, Settlement/Closing Fee $150, Tax Service Fee $60 and Courier Fee $12         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25142754 Refinance Rate/Term Primary 3/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913414 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25272123 Refinance Cash-out - Debt Consolidation Primary 4/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913415 Missing Document: Missing Final 1003             Provide missing documentation
25272123 Refinance Cash-out - Debt Consolidation Primary 4/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913416 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25272123 Refinance Cash-out - Debt Consolidation Primary 4/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913417 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2002, prior to three (3) business days from transaction date of 04/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25272123 Refinance Cash-out - Debt Consolidation Primary 4/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913418 Missing Document: Credit Report not provided             Provide missing documentation
25839687 Purchase Investment 4/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913419 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001.           Provide missing documentation
25779764 Refinance Cash-out - Other Primary 5/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913426 Missing Document: Missing Final 1003             Provide missing documentation
25779764 Refinance Cash-out - Other Primary 5/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913429 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25779764 Refinance Cash-out - Other Primary 5/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913431 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $35,937.60 is underdisclosed from calculated Finance Charge of $36,297.58 in the amount of $359.98. Itemization of amount financed reflects a lump sum finance charge of $908.16 however the audited finance charges total $1268.16         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25779764 Refinance Cash-out - Other Primary 5/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913432 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25779764 Refinance Cash-out - Other Primary 5/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913433 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2002, prior to three (3) business days from transaction date of 05/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25178271 Refinance Cash-out - Other Primary 8/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913437 Missing Document: Missing Final 1003             Provide missing documentation
25816165 Refinance Cash-out - Debt Consolidation Primary 6/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913439 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25816165 Refinance Cash-out - Debt Consolidation Primary 6/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913440 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2002, prior to three (3) business days from transaction date of 06/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25075358 Refinance Cash-out - Debt Consolidation Investment 8/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913446 Missing Document: Missing Final 1003             Provide missing documentation
25959649 Refinance Cash-out - Other Primary 8/XX/2002 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913447 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $89,846.26 is underdisclosed from calculated Finance Charge of $90,107.57 in the amount of $261.31. Unable to determine under disclosure due to missing Itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25959649 Refinance Cash-out - Other Primary 8/XX/2002 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913448 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2002.           Provide missing documentation
25079358 Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913449 Missing Document: Missing Final 1003             Provide missing documentation
25079358 Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913450 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2002, prior to three (3) business days from transaction date of 08/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25079358 Refinance Cash-out - Debt Consolidation Primary 8/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913451 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25486607 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913453 Missing Document: Missing Final 1003             Provide missing documentation
25486607 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913454 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25486607 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913455 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2002, prior to three (3) business days from transaction date of 09/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25055487 Purchase Primary 9/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913452 Missing Document: Missing Final 1003             Provide missing documentation
25804168 Refinance Cash-out - Other Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913456 Missing Document: Missing Final 1003             Provide missing documentation
25804168 Refinance Cash-out - Other Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913458 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.            
25804168 Refinance Cash-out - Other Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913459 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $55,668.09 is underdisclosed from calculated Finance Charge of $55,986.87 in the amount of $318.78. Itemization does not list $450 origination as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25341656 Refinance Cash-out - Other Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913460 Missing Document: Missing Final 1003             Provide missing documentation
25341656 Refinance Cash-out - Other Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913461 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2002, prior to three (3) business days from transaction date of 09/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25341656 Refinance Cash-out - Other Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913462 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25928192 Purchase Investment 9/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913463 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2002.           Provide missing documentation
25928192 Purchase Investment 9/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13913464 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
25928192 Purchase Investment 9/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913465 Disparity in Occupancy - Not High Cost The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment)            
25928192 Purchase Investment 9/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13913466 Missing Document: Appraisal not provided             Provide missing documentation
25023137 Purchase Primary 9/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13913467 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25893062 Refinance Rate/Term Primary 9/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913470 Missing Document: Missing Final 1003             Provide missing documentation
25990531 Purchase Investment 10/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913473 Missing Document: Missing Final 1003             Provide missing documentation
25990531 Purchase Investment 10/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913474 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25533886 Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913483 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002.           Provide missing documentation
25533886 Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913484 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $86,983.12 is underdisclosed from calculated Finance Charge of $87,043.20 in the amount of $60.08. Itemization of amount financed reflects a lump sum of $2540 as prepaid finance however $2600 were the audited prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25523796 Purchase Primary 10/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913481 Missing Document: Missing Final 1003             Provide missing documentation
25992643 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913477 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002.           Provide missing documentation
25992643 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913479 Missing Document: Credit Report not provided             Provide missing documentation
25127683 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913485 Missing Document: Missing Final 1003             Provide missing documentation
25127683 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913486 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25127683 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913487 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002.           Provide missing documentation
25127683 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913488 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 11/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25052988 Purchase Primary 10/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913489 Missing Document: Missing Final 1003             Provide missing documentation
25052988 Purchase Primary 10/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913490 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $76,410.22 is underdisclosed from calculated Finance Charge of $76,745.22 in the amount of $335.00. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25010579 Refinance Cash-out - Other Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913491 Missing Document: Missing Final 1003             Provide missing documentation
25010579 Refinance Cash-out - Other Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913492 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25010579 Refinance Cash-out - Other Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913493 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2003, prior to three (3) business days from transaction date of 01/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25550657 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913494 Missing Document: Missing Final 1003             Provide missing documentation
25550657 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913495 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 11/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25550657 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913496 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25550657 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913497 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $91,996.19 is underdisclosed from calculated Finance Charge of $92,042.88 in the amount of $46.69. Disclosed payment on Note of $657.58 does not correspond with the loan amount, loan term, and interest rate on the loan.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25550657 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913498 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25550657 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913499 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $657.58 does not match Calculated P&I of $657.49           Provide missing documentation
25185323 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913511 Missing Document: Missing Final 1003             Provide missing documentation
25185323 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913512 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25185323 Refinance Rate/Term Primary 11/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913513 (Doc Error) TIL Error: Borrower signature not dated.              
25652271 Refinance Rate/Term Primary 11/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913514 Missing Document: Credit Report not provided             Provide missing documentation
25652271 Refinance Rate/Term Primary 11/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913516 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25652271 Refinance Rate/Term Primary 11/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913517 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 11/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25652271 Refinance Rate/Term Primary 11/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913518 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25652271 Refinance Rate/Term Primary 11/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913519 (Doc Error) RTC Error: Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25090136 Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913521 Missing Document: Missing Final 1003             Provide missing documentation
25090136 Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913522 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25090136 Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913523 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2002, prior to three (3) business days from transaction date of 12/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25052000 Refinance Cash-out - Other Primary 12/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913524 Missing Document: Missing Final 1003             Provide missing documentation
25052000 Refinance Cash-out - Other Primary 12/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913525 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25032800 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913526 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25032800 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913527 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2002, prior to three (3) business days from transaction date of 11/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25924501 Purchase Primary 12/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913528 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2002.           Provide missing documentation
25924501 Purchase Primary 12/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913529 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $118,444.75 is underdisclosed from calculated Finance Charge of $119,536.93 in the amount of $1,092.18. The itemization of amount financed did not include the attorney fee of $936 and prepaid interest of $48.12 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25780493 Refinance Rate/Term Primary 3/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913533 Missing Document: Missing Final 1003             Provide missing documentation
25780493 Refinance Rate/Term Primary 3/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913534 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $140,241.41 is underdisclosed from calculated Finance Charge of $140,601.20 in the amount of $359.79. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Prepaid Interest Charges in the amount of $19.47 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25780493 Refinance Rate/Term Primary 3/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913535 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25826817 Refinance Cash-out - Other Primary 12/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913530 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2002, prior to three (3) business days from transaction date of 12/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25826817 Refinance Cash-out - Other Primary 12/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913531 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $589.77 does not match Calculated P&I of $583.72           Provide missing documentation
25826817 Refinance Cash-out - Other Primary 12/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913532 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $92,681.49 is underdisclosed from calculated Finance Charge of $93,960.82 in the amount of $1,279.33. Unable to determine cause of under disclosure due to missing amortization schedule.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25226404 Refinance Cash-out - Debt Consolidation Primary 12/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913536 Missing Document: Missing Final 1003             Provide missing documentation
25335801 Purchase Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913537 Missing Document: Missing Final 1003             Provide missing documentation
25348352 Refinance Rate/Term Primary 1/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913538 Missing Document: Missing Final 1003             Provide missing documentation
25348352 Refinance Rate/Term Primary 1/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913539 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.            
25348352 Refinance Rate/Term Primary 1/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913540 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $60,606.87 is underdisclosed from calculated Finance Charge of $60,766.90 in the amount of $160.03. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25604579 Refinance Rate/Term Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13913541 Missing Document: Note - Subject Lien not provided             Provide missing documentation
25604579 Refinance Rate/Term Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913542 Missing Document: Missing Final 1003             Provide missing documentation
25604579 Refinance Rate/Term Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913543 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25604579 Refinance Rate/Term Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13913544 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Received final HUD, exception cleared. Provide missing documentation
25604579 Refinance Rate/Term Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913545 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25604579 Refinance Rate/Term Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913546 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $95,404.76 is underdisclosed from calculated Finance Charge of $95,764.76 in the amount of $360.00. TIL itemization disclosed prepaid finance charges in the amount of $2,564, however the HUD reflects prepaid finance charges in the amount of $2,924.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25604579 Refinance Rate/Term Primary 1/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913547 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2003, prior to three (3) business days from transaction date of 01/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25199644 Purchase Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913548 Missing Document: Missing Final 1003             Provide missing documentation
25199644 Purchase Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913549 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.23000% is underdisclosed from calculated APR of 10.38724% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25199644 Purchase Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913550 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $111,106.81 is underdisclosed from calculated Finance Charge of $111,766.32 in the amount of $659.51. The itemization of amount financed did not include the attorney fee of $300, processing fee of $150, tax service fee of $60 and flood certificate of $30 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25792136 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913551 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $115,620.02 is underdisclosed from calculated Finance Charge of $115,980.17 in the amount of $360.15. TIL itemization did not disclose a tax service fee of $60 or an attorney's fee of $300 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25792136 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913552 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2003, prior to three (3) business days from transaction date of 02/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25792136 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913553 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25792136 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913554 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25792136 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913555 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25332862 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913556 Missing Document: Missing Final 1003             Provide missing documentation
25332862 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913557 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $109,261.10 is underdisclosed from calculated Finance Charge of $109,621.21 in the amount of $360.11. The itemization of amount financed did not include the attorney fee of $300 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25332862 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913558 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25203920 Refinance Rate/Term Primary 3/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13913559 Virginia Tangible Net Benefit Test Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.            
25203920 Refinance Rate/Term Primary 3/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913560 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25203920 Refinance Rate/Term Primary 3/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913561 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25754117 Purchase Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913563 Missing Document: Missing Final 1003             Provide missing documentation
25754117 Purchase Primary 2/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913564 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25458797 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913565 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25458797 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913566 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2003, prior to three (3) business days from transaction date of 03/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25082179 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913568 Missing Document: Missing Final 1003             Provide missing documentation
25587123 Refinance Rate/Term Primary 3/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913567 Missing Document: Missing Final 1003             Provide missing documentation
25128214 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913573 Missing Document: Missing Final 1003             Provide missing documentation
25128214 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913574 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25128214 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913576 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 8.70000% is underdisclosed from calculated APR of 8.86390% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25128214 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913577 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $47,438.17 is underdisclosed from calculated Finance Charge of $47,982.73 in the amount of $544.56. TIL itemization did not disclose an origination fee of $440, a tax service fee of $60, or a flood certification fee of $25 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25128214 Refinance Cash-out - Debt Consolidation Primary 5/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913578 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2003, prior to three (3) business days from transaction date of 05/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25766054 Purchase Primary 5/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913575 Missing Document: Missing Final 1003             Provide missing documentation
25766054 Purchase Primary 5/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913601 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $132,758.64 is underdisclosed from calculated Finance Charge of $132,998.64 in the amount of $240.00. TIL itemization did not disclose a flood certification fee of $30, a processing fee of $150, or a tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25766054 Purchase Primary 5/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913602 Missing Document: Credit Report not provided             Provide missing documentation
25173746 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 SC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913580 Missing Document: Credit Report not provided             Provide missing documentation
25807088 Purchase Primary 4/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913579 Missing Document: Missing Final 1003             Provide missing documentation
25546921 Purchase Primary 4/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913569 Missing Document: Missing Final 1003             Provide missing documentation
25546921 Purchase Primary 4/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913570 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.19000% is underdisclosed from calculated APR of 9.31659% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25546921 Purchase Primary 4/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913571 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $110,034.38 is underdisclosed from calculated Finance Charge of $110,643.95 in the amount of $609.57. TIL itemization did not disclose an attorney's fee of $500, a flood certification fee of $30, a tax service fee of $60, or a title courier fee of $20 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25546921 Purchase Primary 4/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913572 Missing Document: Credit Report not provided             Provide missing documentation
25616829 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913581 Missing Document: Missing Final 1003             Provide missing documentation
25616829 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913582 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25616829 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913583 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $41,592.10 is underdisclosed from calculated Finance Charge of $41,952.14 in the amount of $360.04. TIL itemization did not disclose an attorney's fee of $300 or a tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25616829 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913584 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25616829 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913585 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25616829 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913586 Missing Document: Credit Report not provided             Provide missing documentation
25380642 Refinance Cash-out - Other Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913587 Missing Document: Missing Final 1003             Provide missing documentation
25380642 Refinance Cash-out - Other Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913588 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25380642 Refinance Cash-out - Other Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913589 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25380642 Refinance Cash-out - Other Primary 7/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913590 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25115556 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913591 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25115556 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913592 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 8.34000% is underdisclosed from calculated APR of 8.55159% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25115556 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913593 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $86,034.24 is underdisclosed from calculated Finance Charge of $87,144.57 in the amount of $1,110.33. TIL itemization did not disclose an attorney's fee of $300, a commitment fee of $400, a processing fee of $350, or a tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25115556 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913594 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25115556 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913596 Missing Document: Credit Report not provided             Provide missing documentation
25856971 Refinance Rate/Term Primary 10/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913595 Missing Document: Missing Final 1003             Provide missing documentation
25381867 Purchase Primary 8/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913597 Missing Document: Missing Final 1003             Provide missing documentation
25381867 Purchase Primary 8/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913598 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25381867 Purchase Primary 8/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913599 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $143,549.69 is underdisclosed from calculated Finance Charge of $144,289.15 in the amount of $739.46. TIL itemization did not disclose an attorney's fee of $500, a flood certification fee of $30, a processing fee of $150, or a tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25149903 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913603 Missing Document: Missing Final 1003             Provide missing documentation
25865440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913604 Missing Document: Missing Final 1003             Provide missing documentation
25865440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913606 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25865440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913607 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
25865440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913608 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $38,951.47 is underdisclosed from calculated Finance Charge of $39,091.71 in the amount of $140.24. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25865440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913609 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25748549 Purchase Primary 12/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913610 Missing Document: Missing Final 1003             Provide missing documentation
25748549 Purchase Primary 12/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913611 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 8.37000% is underdisclosed from calculated APR of 8.78989% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25748549 Purchase Primary 12/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913612 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $44,230.60 is underdisclosed from calculated Finance Charge of $45,466.54 in the amount of $1,235.94. TIL itemization did not disclose a processing fee of $350, a commitment fee of $400, a tax cert fee of $60 or an attorney fee of $426 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25805392 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913613 Missing Document: Missing Final 1003             Provide missing documentation
25805392 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913614 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25805392 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 04/02/2019 1 13913615 (State High Cost) North Carolina High-Cost Loan (Points and Fees) North Carolina Anti-Predatory Lending Law: Points and Fees on subject loan of 5.48230% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $1,975.00 on a Total Loan Amount of $36,025.00 vs. an allowable total of $1,801.25 (an overage of $173.75 or .48230%). Non-Compliant High Cost Loan.         (2019-08-15): Applied state fee offset to remove the attorney fee from NC fees after receiving the attorney preference disclosure. It cleared the high cost violation, but the exception is still in the regulation failures pop up, so please have someone from your team remove the exception. Please let us know if you need anything further.  
25805392 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913616 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.19000% is underdisclosed from calculated APR of 9.49036% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25805392 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913617 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $31,108.38 is underdisclosed from calculated Finance Charge of $31,783.41 in the amount of $675.03. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25805392 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913618 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25642178 Purchase Primary 1/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913619 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $184,712.96 is underdisclosed from calculated Finance Charge of $185,462.32 in the amount of $749.36. TIL itemization did not disclose an attorney review fee of $750 as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25642178 Purchase Primary 1/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913620 Cross Collateralized Mortgage Loan There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value.            
25100591 Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913621 Missing Document: Missing Final 1003             Provide missing documentation
25132803 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913623 Missing Document: Missing Final 1003             Provide missing documentation
25132803 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913625 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $67,710.10 is underdisclosed from calculated Finance Charge of $68,255.07 in the amount of $544.97. Under disclosure due to HUD disclosing $2420.00 in prepaid finance charges and TIL itemization disclosing a lump sum of $1875.70 in prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25132803 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913626 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25132803 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913629 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.17000% is underdisclosed from calculated APR of 9.30092% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25673505 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913622 Missing Document: Missing Final 1003             Provide missing documentation
25673505 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913624 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25673505 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913627 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25673505 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913628 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25419692 Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913633 Missing Document: Missing Final 1003             Provide missing documentation
25419692 Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913636 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25419692 Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913639 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25419692 Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913641 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2004, prior to three (3) business days from transaction date of 05/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25649574 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913637 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $153,083.76 is underdisclosed from calculated Finance Charge of $153,124.43 in the amount of $40.67. Itemization only disclosed Recording fees in the amount of $63 and HUD-1 disclosed $95.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25496843 Purchase Primary 4/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913634 Missing Document: Missing Final 1003             Provide missing documentation
25496843 Purchase Primary 4/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913635 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $115,652.55 is underdisclosed from calculated Finance Charge of $115,892.32 in the amount of $239.77. TIL itemization did not disclose a Flood certification of $30 a Tax Service of $60 and a Processing Fee $150 as a prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25102315 Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913638 Missing Document: Missing Final 1003             Provide missing documentation
25102315 Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913640 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25102315 Refinance Cash-out - Other Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913642 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25367640 Refinance Cash-out - Other Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913643 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
25367640 Refinance Cash-out - Other Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913644 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25367640 Refinance Cash-out - Other Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913645 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $227.74 does not match Calculated P&I of $227.64           Provide missing documentation
25373753 Refinance Rate/Term Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913646 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25373753 Refinance Rate/Term Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913647 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25373753 Refinance Rate/Term Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913648 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25373669 Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913655 Missing Document: Missing Final 1003             Provide missing documentation
25373669 Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913656 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25373669 Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913657 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $81,487.41 is underdisclosed from calculated Finance Charge of $81,737.36 in the amount of $249.95. Unable to determine under disclosure due to missing Itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25373669 Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913658 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25685603 Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913659 Missing Document: Missing Final 1003             Provide missing documentation
25685603 Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913660 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25146383 Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913661 Missing Document: Missing Final 1003             Provide missing documentation
25146383 Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913662 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25146383 Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913663 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25146383 Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913664 (Doc Error) TIL Error: Borrower signature not dated.              
25517214 Purchase Primary 9/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913665 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
25517214 Purchase Primary 9/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913666 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $125,476.10 is underdisclosed from calculated Finance Charge of $126,035.91 in the amount of $559.81. TIL itemization of amount financed reflects a lump sum of $1712.51, however calculated reflects an amount of $2272.51.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25210794 Refinance Rate/Term Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913667 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25210794 Refinance Rate/Term Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913668 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $104,552.39 is underdisclosed from calculated Finance Charge of $104,902.09 in the amount of $349.70. TIL itemization of amount financed reflects a lump sum of $2115, however calculated reflects an amount of $2465.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25210794 Refinance Rate/Term Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13913669 Missing Document: Appraisal not provided             Provide missing documentation
25974045 Purchase Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913670 Missing Document: Missing Final 1003             Provide missing documentation
25974045 Purchase Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913671 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.29000% is underdisclosed from calculated APR of 9.84465% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25974045 Purchase Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913672 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $54,543.34 is underdisclosed from calculated Finance Charge of $55,903.34 in the amount of $1,360.00. The itemization of amount financed did not include the attorney fee of $500, flood cert fee of $30, tax service fee of $60, processing fee of $150, prepaid interest of $78.15, and a recording service fee of $620 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25107330 Refinance Rate/Term Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913675 Missing Document: Missing Final 1003             Provide missing documentation
25837426 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913676 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25837426 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913677 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25969479 Purchase Primary 12/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913678 Missing Document: Missing Final 1003             Provide missing documentation
25969479 Purchase Primary 12/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913679 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $108,898.43 is underdisclosed from calculated Finance Charge of $109,488.42 in the amount of $589.99. TIL itemization did not disclose a settlement fee of $250, a processing fee of $250, a flood cert fee $30 or a tax cert fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25755434 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913680 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
25755434 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913682 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.45000% is underdisclosed from calculated APR of 9.69139% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25755434 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913683 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $28,317.02 is underdisclosed from calculated Finance Charge of $28,767.17 in the amount of $450.15. The itemization of amount financed did not include the attorney fee of $450 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25560112 Purchase Primary 1/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913684 Missing Document: Missing Final 1003             Provide missing documentation
25560112 Purchase Primary 1/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913685 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $96,521.22 is underdisclosed from calculated Finance Charge of $96,909.20 in the amount of $387.98. TIL itemization of amount financed reflects a lump sum of $3771.15, however calculated reflects an amount of $4115.15.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25122046 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913681 Missing Document: Missing Final 1003             Provide missing documentation
25336539 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913686 Missing Document: Missing Final 1003             Provide missing documentation
25336539 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913687 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25336539 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913688 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25192699 Purchase Primary 12/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913689 Missing Document: Missing Final 1003             Provide missing documentation
25873242 Purchase Primary 1/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913690 Missing Document: Missing Final 1003             Provide missing documentation
25873242 Purchase Primary 1/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913691 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25873242 Purchase Primary 1/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913692 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.23000% is underdisclosed from calculated APR of 10.38959% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25873242 Purchase Primary 1/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913693 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $143,669.69 is underdisclosed from calculated Finance Charge of $144,531.10 in the amount of $861.41. The itemization of amount financed did not include the attorney fee of $500, flood cert fee of $30, tax service fee of $60 and processing fee of $250 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25169483 Purchase Primary 3/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913694 Missing Document: Missing Final 1003             Provide missing documentation
25169483 Purchase Primary 3/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 04/10/2019 1 13913695 (State High Cost) North Carolina High-Cost Loan (Points and Fees) North Carolina Anti-Predatory Lending Law: Points and Fees on subject loan of 5.72476% is in excess of the allowable maximum of the lesser of 8.00000% of the Total Loan Amount or $1000.00 (2005). Points and Fees total $1,096.31 on a Total Loan Amount of $19,150.33 vs. an allowable total of $1,000.00 or $1000.00 (2005) (an overage of $96.31 or -2.27524%). Non-Compliant High Cost Loan.         (2019-08-15): Seller provide an invoice for $225 paid to a third party. Excluding the $225 brought loan below threshold. Exception is cleared.  
25169483 Purchase Primary 3/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913696 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25936569 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913697 Missing Document: Missing Final 1003             Provide missing documentation
25936569 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913698 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.69000% is underdisclosed from calculated APR of 10.82830% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25936569 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913699 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $56,991.04 is underdisclosed from calculated Finance Charge of $57,351.07 in the amount of $360.03. TIL itemization did not disclose a processing fee of $250, a closing settlement fee of $50, a tax service fee of $60 and interim interest in the amount of $10.59 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25936569 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913700 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25936569 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13913701 Missing Document: Appraisal not provided             Provide missing documentation
25544344 Purchase Investment 5/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913708 Missing Document: Missing Final 1003             Provide missing documentation
25544344 Purchase Investment 5/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913710 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25996437 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913702 Missing Document: Missing Final 1003             Provide missing documentation
25996437 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913704 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
25996437 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913706 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $19,662.94 is underdisclosed from calculated Finance Charge of $19,787.94 in the amount of $125.00. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Title Attorney Fees in the amount of $125 nor the Prepaid Interest Fee in the amount of $15.89 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25996437 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913709 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25996437 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913711 Missing Document: Credit Report not provided             Provide missing documentation
25996437 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913712 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25125663 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913703 Missing Document: Missing Final 1003             Provide missing documentation
25125663 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913705 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25125663 Refinance Cash-out - Other Primary 4/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913707 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25374772 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913714 Missing Document: Missing Final 1003             Provide missing documentation
25374772 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913715 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25374772 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913716 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 05/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25465539 Refinance Cash-out - Other Primary 5/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913717 Missing Document: Missing Final 1003             Provide missing documentation
25465539 Refinance Cash-out - Other Primary 5/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913718 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $469.48 does not match Calculated P&I of $469.56           Provide missing documentation
25465539 Refinance Cash-out - Other Primary 5/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913720 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $112,408.03 is underdisclosed from calculated Finance Charge of $112,664.92 in the amount of $256.89. TIL Itemization only disclosed origination charges in the amount of $1658.58 and final HUD reflects $2033.58.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25465539 Refinance Cash-out - Other Primary 5/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913721 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 05/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25444511 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913723 Missing Document: Missing Final 1003             Provide missing documentation
25444511 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13913724 Virginia Tangible Net Benefit Test Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.            
25444511 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913725 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25830959 Purchase Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913727 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.75000% is underdisclosed from calculated APR of 10.90232% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25830959 Purchase Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913728 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $53,566.16 is underdisclosed from calculated Finance Charge of $53,946.19 in the amount of $380.03. Itemization did not disclose $20 flood cert fee, $10.54 prepaid interest, $250 processing fee, $50 settlement fee, or $60 tax service fee.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25830959 Purchase Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913729 Missing Document: Missing Final 1003             Provide missing documentation
25925633 Refinance Cash-out - Other Primary 6/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913732 Missing Document: Missing Final 1003             Provide missing documentation
25925633 Refinance Cash-out - Other Primary 6/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913733 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $67,275.85 is underdisclosed from calculated Finance Charge of $67,495.47 in the amount of $219.62. TIL Itemization only disclosed origination charges in the amount of $2148 and final HUD reflects $2367.50.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25027671 Purchase Investment 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913730 Missing Document: Missing Final 1003             Provide missing documentation
25461818 Purchase Primary 6/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913734 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25878692 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913735 Missing Document: Missing Final 1003             Provide missing documentation
25878692 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913736 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $147,329.49 is underdisclosed from calculated Finance Charge of $147,768.07 in the amount of $438.58. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Processing Fee in the amount of $250, Courier Fee in the amount of $19.50, Flood Certification Fee in the amount of $20, Title Settlement Fee in the amount of $50, Release Tracking Fee in the amount of $31, Title Wire Fee in the amount of $8 nor the Tax Certification Fee in the amount of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25426619 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913738 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.87000% is underdisclosed from calculated APR of 10.03057% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25426619 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913739 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $39,412.02 is underdisclosed from calculated Finance Charge of $39,792.26 in the amount of $380.24. The itemization of amount financed did not include the flood cert fee of $20, prepaid interest of $54.38, processing fee of $250, closing fee of $50 and tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913741 Missing Document: Missing Final 1003             Provide missing documentation
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913743 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13913744 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913745 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913746 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/06/2019 1 13913747 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Received Final TIL, exception cleared. Provide missing documentation
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913748 (Doc Error) TIL Error: Borrower signature not dated.              
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913749 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 11.74000% is underdisclosed from calculated APR of 11.97927% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25583611 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913750 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $43,399.03 is underdisclosed from calculated Finance Charge of $43,824.13 in the amount of $425.10. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25776374 Refinance Rate/Term Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913740 Missing Document: Missing Final 1003             Provide missing documentation
25526086 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913751 Missing Document: Missing Final 1003             Provide missing documentation
25526086 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913752 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25526086 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913753 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25433624 Refinance Cash-out - Other Primary 8/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913754 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25433624 Refinance Cash-out - Other Primary 8/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13913755 Missing Document: Appraisal not provided             Provide missing documentation
25273085 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913756 Missing Document: Missing Final 1003             Provide missing documentation
25273085 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913758 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25273085 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913759 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25025904 Refinance Cash-out - Other Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913761 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25025904 Refinance Cash-out - Other Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913762 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25815200 Purchase Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913760 Missing Document: Missing Final 1003             Provide missing documentation
25577890 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913764 Missing Document: Missing Final 1003             Provide missing documentation
25577890 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913765 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25577890 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913766 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25577890 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913770 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25577890 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913772 (Doc Error) TIL Error: Borrower signature not dated.              
25789840 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913767 Missing Document: Missing Final 1003             Provide missing documentation
25789840 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913769 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.99000% is underdisclosed from calculated APR of 10.14718% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25789840 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913771 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $188,649.56 is underdisclosed from calculated Finance Charge of $189,810.16 in the amount of $1,160.60. TIL Itemization did not disclose attorney's fees of $500, a commitment fee of $250, a processing fee of $350 or a tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25789840 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913773 Missing Document: Credit Report not provided             Provide missing documentation
25965569 Purchase Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913763 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.44000% is underdisclosed from calculated APR of 10.70715% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25965569 Purchase Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913768 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $54,585.03 is underdisclosed from calculated Finance Charge of $55,291.08 in the amount of $706.05. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Assignment Recording Fee in the amount of $21, Title Attorney Fees in the amount of $350, Flood Certification Fee in the amount of $25, Processing Fee in the amount of $250 nor the Tax Certification Fee in the amount of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25975495 Refinance Cash-out - Other Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913774 Missing Document: Missing Final 1003             Provide missing documentation
25975495 Refinance Cash-out - Other Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913776 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
25975495 Refinance Cash-out - Other Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913777 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $113,011.06 is underdisclosed from calculated Finance Charge of $113,385.99 in the amount of $374.93. Itemization did not disclose $300 application fee or $250 processing fee.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25975495 Refinance Cash-out - Other Primary 10/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913778 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25390720 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913781 Missing Document: Missing Final 1003             Provide missing documentation
25223439 Refinance Rate/Term Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913779 Missing Document: Missing Final 1003             Provide missing documentation
25223439 Refinance Rate/Term Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913780 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.) .         TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25731369 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913782 Missing Document: Missing Final 1003             Provide missing documentation
25731369 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913783 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25731369 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913784 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25518186 Refinance Cash-out - Other Primary 1/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913785 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25518186 Refinance Cash-out - Other Primary 1/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913786 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25856972 Refinance Cash-out - Other Primary 12/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913787 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25856972 Refinance Cash-out - Other Primary 12/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913788 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25856972 Refinance Cash-out - Other Primary 12/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913789 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25884628 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913790 Missing Document: Missing Final 1003             Provide missing documentation
25884628 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913791 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25884628 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913792 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25094605 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913793 Missing Document: Missing Final 1003             Provide missing documentation
25778500 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913794 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25778500 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913795 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25778500 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913796 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25207649 Purchase Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913798 Missing Document: Missing Final 1003             Provide missing documentation
25667163 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913799 Missing Document: Missing Final 1003             Provide missing documentation
25667163 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913800 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25667163 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913801 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25667163 Refinance Cash-out - Other Primary 3/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13913802 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25843359 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913803 Missing Document: Missing Final 1003             Provide missing documentation
25843359 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913804 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25843359 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913805 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25454288 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913806 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25454288 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913807 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25454288 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913808 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25139818 Purchase Second Home 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913809 Missing Document: Missing Final 1003             Provide missing documentation
25139818 Purchase Second Home 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913810 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25139818 Purchase Second Home 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913811 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.44000% is underdisclosed from calculated APR of 9.58317% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25139818 Purchase Second Home 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913812 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $61,937.44 is underdisclosed from calculated Finance Charge of $62,447.41 in the amount of $509.97. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Title Attorney Fees in the amount of $450, Pre-paid Interest Fee in the amount of $100.53 nor the Tax Certification Fee in the amount of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25381528 Refinance Cash-out - Other Investment 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913813 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25381528 Refinance Cash-out - Other Investment 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913814 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
25332761 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913816 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25332761 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913817 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25332761 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Compliance Open   2 13913818 (Doc Error) Loan was portrayed as first lien but found to be a second lien              
25049623 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913820 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
25749693 Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913822 Missing Document: Missing Final 1003             Provide missing documentation
25749693 Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913823 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25749693 Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913824 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25749693 Refinance Cash-out - Other Primary 6/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913825 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25698789 Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913826 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25698789 Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13913827 Missing Document: Appraisal not provided             Provide missing documentation
25805525 Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913831 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/1990, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25805525 Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913832 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25395962 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 WV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913852 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25395962 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 WV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913853 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $98,119.03 is underdisclosed from calculated Finance Charge of $98,693.75 in the amount of $574.72. Unable to determine under disclosure due to missing Itemization of Amount Financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25395962 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 WV $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913854 Missing Document: Credit Report not provided             Provide missing documentation
25107845 Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913844 Missing Document: Missing Final 1003             Provide missing documentation
25107845 Purchase Primary 12/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913845 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000.           Provide missing documentation
25329730 Refinance Cash-out - Other Primary 9/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913846 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25329730 Refinance Cash-out - Other Primary 9/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913847 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25507937 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913841 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25507937 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913842 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25507937 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913843 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25905769 Purchase Primary 2/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913858 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2000.           Provide missing documentation
25905769 Purchase Primary 2/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913859 Missing Document: Missing Final 1003             Provide missing documentation
25524902 Purchase Primary 9/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913860 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001.           Provide missing documentation
25027772 Refinance Cash-out - Other Investment 3/XX/2001 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913861 Missing Document: Missing Final 1003             Provide missing documentation
25027772 Refinance Cash-out - Other Investment 3/XX/2001 NJ $XXX Loan Review Complete 08/15/2019 Credit Miscellaneous Credit Open   3 13913862 Credit Exception:   Appraisal lists subject property as owner occupied commercial.          
25623347 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913864 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001.           Provide missing documentation
25623347 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913866 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $71,343.40 is underdisclosed from calculated Finance Charge of $71,586.32 in the amount of $242.92. Under-disclosure is fee related. Unable to determine under-disclosure due to the Final TIL Itemization is missing from the file.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25623347 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913870 Missing Document: Missing Final 1003             Provide missing documentation
25486223 Purchase Investment 2/XX/2002 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913869 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2002.           Provide missing documentation
25729444 Refinance Rate/Term Primary 3/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913872 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $75,675.37 is underdisclosed from calculated Finance Charge of $75,751.41 in the amount of $76.04. Unable to determine cause of underdisclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25330534 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913876 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
25330534 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913877 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $193,650.59 is underdisclosed from calculated Finance Charge of $193,860.71 in the amount of $210.12. TIL itemization did not include an Attonrey's fee of $150 or Tax cert fee of $60 in the prepaid amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25330534 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913878 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25330534 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913879 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25330534 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913880 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25330534 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13913881 Final Title Policy is missing. No evidence of title in file.   File does not contain either the preliminary or final title.         Provide missing documentation
25677908 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913873 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $76,116.25 is underdisclosed from calculated Finance Charge of $76,476.31 in the amount of $360.06. TIL Itemization did not disclose the attorney's fee of $300 or the tax service of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25677908 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913874 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2004, prior to three (3) business days from transaction date of 05/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25677908 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913875 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25144908 Refinance Cash-out - Debt Consolidation Primary 10/XX/2002 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913882 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $117,755.97 is underdisclosed from calculated Finance Charge of $118,135.72 in the amount of $379.75. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913883 Missing Document: Missing Final 1003             Provide missing documentation
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913884 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913885 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913886 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $439,062.27 is underdisclosed from calculated Finance Charge of $439,637.29 in the amount of $575.02. TIL Itemization only disclosed origination charges in the amount of $2910 and final HUD reflects $3485.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913887 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2002, prior to three (3) business days from transaction date of 10/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913888 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13913889 (Doc Error) TIL Error: Borrower signature not dated.              
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913890 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25417576 Refinance Rate/Term Primary 10/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913891 Missing Document: Credit Report not provided             Provide missing documentation
25010778 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913892 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $179,118.85 is underdisclosed from calculated Finance Charge of $179,419.15 in the amount of $300.30. According to the Lender's final Amount Financed Itemization, Attorney's Fees of $300.00 and the Tax Related Service Fee of $60.00 are not included in Prepaid Finance Charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25010778 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913893 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25631148 Purchase Primary 11/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913895 Missing Document: Missing Final 1003             Provide missing documentation
25631148 Purchase Primary 11/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13913896 Missing Document: Credit Report not provided             Provide missing documentation
25799395 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913898 Missing Document: Missing Final 1003             Provide missing documentation
25799395 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913899 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $78,014.60 is underdisclosed from calculated Finance Charge of $78,274.60 in the amount of $260.00. TIL Itemization did not disclose $50.00 Settlement Fee, $150.00 Processing Fee and $60.00 Tax Service Fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25769992 Purchase Primary 12/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913897 Missing Document: Missing Final 1003             Provide missing documentation
25982870 Purchase Primary 1/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913900 Missing Document: Missing Final 1003             Provide missing documentation
25589004 Purchase Primary 12/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913901 Missing Document: Missing Final 1003             Provide missing documentation
25589004 Purchase Primary 12/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913902 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.77000% is underdisclosed from calculated APR of 11.00621% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25589004 Purchase Primary 12/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913903 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $95,058.77 is underdisclosed from calculated Finance Charge of $95,798.69 in the amount of $739.92. TIL Itemization did not disclose the $500 attorney fee, $30 flood, $150 processing, $60 tax fee as prepaid finance charges         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25589004 Purchase Primary 12/XX/2003 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913904 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25590351 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913905 Missing Document: Missing Final 1003             Provide missing documentation
25590351 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13913906 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25990479 Purchase Primary 1/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913908 Missing Document: Missing Final 1003             Provide missing documentation
25250005 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913910 Missing Document: Missing Final 1003             Provide missing documentation
25250005 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913911 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25250005 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913912 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25925111 Purchase Primary 12/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913913 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $84,925.40 is underdisclosed from calculated Finance Charge of $85,037.16 in the amount of $111.76. Itemization did not disclose $12 wire fee or $75 settlement fee.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25424802 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913914 Missing Document: Missing Final 1003             Provide missing documentation
25424802 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913915 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25424802 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913917 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25424802 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913918 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $121,217.33 is underdisclosed from calculated Finance Charge of $121,467.53 in the amount of $250.20. TIL Itemization did not disclose the Attorney fee of $250.00 as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25424802 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913919 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25308702 Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913920 Missing Document: Missing Final 1003             Provide missing documentation
25308702 Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913921 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25287512 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913922 Missing Document: Missing Final 1003             Provide missing documentation
25287512 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13913923 Missing Document: Rider - 1-4 Family not provided             Provide missing documentation
25287512 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913924 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 11.81000% is underdisclosed from calculated APR of 12.11822% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25287512 Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913925 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $24,509.18 is underdisclosed from calculated Finance Charge of $24,852.59 in the amount of $343.41. The itemization of amount financed did not include the attorney's fee of $350.00 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25620489 Refinance Cash-out - Other Primary 7/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913926 Missing Document: Missing Final 1003             Provide missing documentation
25430621 Refinance Cash-out - Home Improvement Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913928 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25430621 Refinance Cash-out - Home Improvement Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913929 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
25430621 Refinance Cash-out - Home Improvement Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913930 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $101,895.02 is underdisclosed from calculated Finance Charge of $102,254.07 in the amount of $359.05. The itemization of amount financed did not include the attorney fee of $359 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25430621 Refinance Cash-out - Home Improvement Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913931 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25430621 Refinance Cash-out - Home Improvement Primary 9/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913932 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25690678 Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913933 Missing Document: Missing Final 1003             Provide missing documentation
25038683 Purchase Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913934 Missing Document: Missing Final 1003             Provide missing documentation
25038683 Purchase Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Open   2 13913935 Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 09/XX/2005 Condo (Low Rise)            
25038683 Purchase Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913936 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25359585 Refinance Cash-out - Home Improvement Primary 2/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913943 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25359585 Refinance Cash-out - Home Improvement Primary 2/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913944 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25433537 Refinance Cash-out - Other Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913945 Missing Document: Missing Final 1003             Provide missing documentation
25433537 Refinance Cash-out - Other Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13913946 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25433537 Refinance Cash-out - Other Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913947 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25433537 Refinance Cash-out - Other Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13913948 Missing Document: Appraisal not provided             Provide missing documentation
25499341 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913949 Missing Document: Missing Final 1003             Provide missing documentation
25499341 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913950 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25499341 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913951 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25499341 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913952 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25499341 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913953 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25841772 Purchase Primary 10/XX/2001 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913955 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001.           Provide missing documentation
25841772 Purchase Primary 10/XX/2001 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13913956 Missing Document: Missing Final 1003             Provide missing documentation
25841772 Purchase Primary 10/XX/2001 NJ $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13913957 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25195929 Refinance Rate/Term Primary 5/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913958 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.         (2019-08-15): Unable to clear with Statement of Borrower Benefits received. Statement of Borrower Benefits does not disclose the NTB.  
25195929 Refinance Rate/Term Primary 5/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913959 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25597669 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913964 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.55300% is underdisclosed from calculated APR of 10.71920% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25597669 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913967 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $64,097.34 is underdisclosed from calculated Finance Charge of $64,606.77 in the amount of $509.43. TIL Itemization did not disclose the loan discount fee of $163, the courier fee of $40 or the prepaid interest of $120.45 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25267154 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913960 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25267154 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913961 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25784429 Refinance Rate/Term Primary 8/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913962 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.         (2019-08-15): Unable to clear with Statement of Borrower Benefits received. Statement of Borrower Benefits does not disclose the NTB.  
25784429 Refinance Rate/Term Primary 8/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913963 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $192,674.12 is underdisclosed from calculated Finance Charge of $192,728.11 in the amount of $53.99. Itemization of amount financed did not disclose a $325 application fee and Undisclosed $44 Origination fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25233844 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13913965 Missing Document: Note - Subject Lien not provided             Provide missing documentation
25233844 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913966 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25091871 Refinance Rate/Term Primary 4/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913968 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.27194% or Final Disclosure APR of 9.30100% is in excess of allowable threshold of US Treasury 4.2800% + 3%, or 7.28000% and Conventional Mortgage Rate 5.85000% + 1.75%, or 7.60000%. Non-Compliant Rate Spread Home Loan.            
25128058 Refinance Rate/Term Investment 1/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913969 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25028453 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913972 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25028453 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913973 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.00658% or Final Disclosure APR of 9.05500% is in excess of allowable threshold of US Treasury 3.7200% + 3%, or 6.72000% and Conventional Mortgage Rate 5.67000% + 1.75%, or 7.42000%. Non-Compliant Rate Spread Home Loan.            
25041057 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913970 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.50070% or Final Disclosure APR of 8.49700% is in excess of allowable threshold of US Treasury 3.7200% + 3%, or 6.72000% and Conventional Mortgage Rate 6.24000% + 1.75%, or 7.99000%. Non-Compliant Rate Spread Home Loan.            
25891819 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913975 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.15516% or Final Disclosure APR of 9.15300% is in excess of allowable threshold of US Treasury 4.5800% + 3%, or 7.58000% and Conventional Mortgage Rate 6.13000% + 1.75%, or 7.88000%. Non-Compliant Rate Spread Home Loan.            
25695301 Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913976 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.18604% or Final Disclosure APR of 9.15700% is in excess of allowable threshold of US Treasury 4.5600% + 3%, or 7.56000% and Conventional Mortgage Rate 6.45000% + 1.75%, or 8.20000%. Non-Compliant Rate Spread Home Loan.            
25695301 Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913977 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $108,589.93 is underdisclosed from calculated Finance Charge of $108,735.16 in the amount of $145.23. Itemization did not disclose $60 courier fee or the $60 wire fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25607988 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913978 (Doc Error) RTC Error: Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25607988 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913979 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $356,449.77 is underdisclosed from calculated Finance Charge of $356,509.89 in the amount of $60.12. The itemization of amount financed did not include the recording service fee of $50 and release tracking fee of $35 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25607988 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913980 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2008, prior to three (3) business days from transaction date of 08/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25607988 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913981 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25607988 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913982 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25607988 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Credit Miscellaneous Credit Open   3 13913983 Credit Exception:   Subject is for a childcare facility          
25607988 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Open   2 13913984 Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 08/XX/2008 Commercial            
25755580 Purchase Primary 9/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913986 (Doc Error) Initial GFE not provided              
25755580 Purchase Primary 9/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913988 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.73582% or Final Disclosure APR of 9.73600% is in excess of allowable threshold of US Treasury 3.7300% + 3%, or 6.73000% and Conventional Mortgage Rate 5.93000% + 1.75%, or 7.68000%. Non-Compliant Rate Spread Home Loan.            
25964212 Refinance Cash-out - Other Primary 8/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913989 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25964212 Refinance Cash-out - Other Primary 8/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913990 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25964212 Refinance Cash-out - Other Primary 8/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913991 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25964212 Refinance Cash-out - Other Primary 8/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913992 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.            
25539924 Refinance Rate/Term Primary 12/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13913994 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.         (2019-08-15): Unable to clear with Statement of Borrower Benefits received. Statement of Borrower Benefits does not disclose the NTB.  
25873347 Refinance Cash-out - Other Primary 11/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913995 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25873347 Refinance Cash-out - Other Primary 11/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13913997 (Doc Error) RTC Error: Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25896926 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13913999 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $336,827.77 is underdisclosed from calculated Finance Charge of $336,902.87 in the amount of $75.10. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25547764 Refinance Rate/Term Primary 5/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914001 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.85338% or Final Disclosure APR of 8.85300% is in excess of allowable threshold of US Treasury 4.5500% + 3%, or 7.55000% and Conventional Mortgage Rate 6.03000% + 1.75%, or 7.78000%. Non-Compliant Rate Spread Home Loan.         (2019-08-15): Received HUD, exception remains.  
25010807 Refinance Rate/Term Primary 11/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914000 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $96,103.36 is underdisclosed from calculated Finance Charge of $96,162.73 in the amount of $59.37. The Final TIL Itemization did not disclose the Prepaid Interest Charges in the amount of $59.347 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25534855 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914002 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25534855 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914003 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $75,599.96 is underdisclosed from calculated Finance Charge of $75,899.97 in the amount of $300.01. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25873375 Refinance Rate/Term Primary 2/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914009 Missing Document: Missing Final 1003             Provide missing documentation
25874088 Refinance Cash-out - Other Primary 3/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914010 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25628916 Refinance Cash-out - Other Primary 5/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914011 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.         (2019-08-15): Unable to clear with Statement of Borrower Benefits received. Statement of Borrower Benefits does not disclose the NTB.  
25840244 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914012 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25704848 Refinance Cash-out - Other Investment 7/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 05/13/2019 1 13914014 Disparity in Occupancy - High Cost The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) North Carolina Anti-Predatory Lending Law: Points and Fees on subject loan of 5.11438% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $2,905.50 on a Total Loan Amount of $56,810.38 vs. an allowable total of $2,840.51 (an overage of $64.99 or .11438%). Non-Compliant High Cost Loan.       (2019-08-15): Cleared based on the occupancy cert received and clients/seller responses. (2019-08-15): Conflicting data in file. Testing loan as O/O result HC exception. AMC to leave to the clients discretion to waive. Exception remains.  
25704848 Refinance Cash-out - Other Investment 7/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914015 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25540377 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914017 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25986777 Refinance Rate/Term Primary 11/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914022 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.         (2019-08-15): Unable to clear with Statement of Borrower Benefits received. Statement of Borrower Benefits does not disclose the NTB.  
25986777 Refinance Rate/Term Primary 11/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914024 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $305,485.45 is underdisclosed from calculated Finance Charge of $305,529.93 in the amount of $44.48. TIL itemization disclosed an settlement fee of $300 and hud reflects $250 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25916384 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914019 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25916384 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914021 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.78245% or Final Disclosure APR of 9.78200% is in excess of allowable threshold of US Treasury 4.6600% + 3%, or 7.66000% and Conventional Mortgage Rate 5.69000% + 1.75%, or 7.44000%. Non-Compliant Rate Spread Home Loan.            
25103575 Purchase Primary 4/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914026 North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.23007% or Final Disclosure APR of 9.25900% is in excess of allowable threshold of US Treasury 4.5800% + 3%, or 7.58000% and Conventional Mortgage Rate 5.88000% + 1.75%, or 7.63000%. Compliant Rate Spread Home Loan.            
25045748 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Cleared 03/19/2019 1 13914028 Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: Commitment         (2019-08-15): Received Final Policy, exception cleared.  
25045748 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914029 North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.24863% or Final Disclosure APR of 9.25400% is in excess of allowable threshold of US Treasury 4.6600% + 3%, or 7.66000% and Conventional Mortgage Rate 5.48000% + 1.75%, or 7.23000%. Compliant Rate Spread Home Loan.            
25321143 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914031 North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.55526% or Final Disclosure APR of 8.55500% is in excess of allowable threshold of US Treasury 3.7600% + 3%, or 6.76000% and Conventional Mortgage Rate 6.13000% + 1.75%, or 7.88000%. Compliant Rate Spread Home Loan.            
25044667 Refinance Rate/Term Primary 8/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914027 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25876415 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914034 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25876415 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914035 North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.65231% or Final Disclosure APR of 8.69400% is in excess of allowable threshold of US Treasury 4.2800% + 3%, or 7.28000% and Conventional Mortgage Rate 5.88000% + 1.75%, or 7.63000%. Compliant Rate Spread Home Loan.            
25146094 Refinance Cash-out - Other Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914037 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.37749% or Final Disclosure APR of 9.37700% is in excess of allowable threshold of US Treasury 4.5500% + 3%, or 7.55000% and Conventional Mortgage Rate 6.03000% + 1.75%, or 7.78000%. Non-Compliant Rate Spread Home Loan.            
25014402 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Cleared 03/19/2019 1 13914039 Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: Commitment         (2019-08-15): Received Final Policy, exception cleared.  
25014402 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914041 North Carolina CHL Tangible Net Benefit Test North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.         (2019-08-15): Unable to clear with Statement of Borrower Benefits received. Statement of Borrower Benefits does not disclose the NTB.  
25014402 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914042 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.50789% or Final Disclosure APR of 9.51100% is in excess of allowable threshold of US Treasury 4.2800% + 3%, or 7.28000% and Conventional Mortgage Rate 5.72000% + 1.75%, or 7.47000%. Non-Compliant Rate Spread Home Loan.            
25139466 Refinance Cash-out - Debt Consolidation Investment 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Cleared 03/19/2019 1 13914038 Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: Commitment         (2019-08-15): Received Final Policy, exception cleared.  
25791229 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914045 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25791229 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914046 North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.66560% or Final Disclosure APR of 8.66600% is in excess of allowable threshold of US Treasury 4.3500% + 3%, or 7.35000% and Conventional Mortgage Rate 5.88000% + 1.75%, or 7.63000%. Compliant Rate Spread Home Loan.            
25625723 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914048 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 10.39632% or Final Disclosure APR of 10.39600% is in excess of allowable threshold of US Treasury 4.5500% + 3%, or 7.55000% and Conventional Mortgage Rate 6.08000% + 1.75%, or 7.83000%. Non-Compliant Rate Spread Home Loan.            
25333827 Refinance Cash-out - Other Primary 5/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914050 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.48774% or Final Disclosure APR of 9.48800% is in excess of allowable threshold of US Treasury 3.4400% + 3%, or 6.44000% and Conventional Mortgage Rate 6.06000% + 1.75%, or 7.81000%. Non-Compliant Rate Spread Home Loan.            
25876082 Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914052 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 9.07896% or Final Disclosure APR of 9.07900% is in excess of allowable threshold of US Treasury 4.5600% + 3%, or 7.56000% and Conventional Mortgage Rate 6.45000% + 1.75%, or 8.20000%. Non-Compliant Rate Spread Home Loan.            
25016508 Refinance Cash-out - Other Primary 7/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914059 North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.65791% or Final Disclosure APR of 8.65300% is in excess of allowable threshold of US Treasury 4.7900% + 3%, or 7.79000% and Conventional Mortgage Rate 6.37000% + 1.75%, or 8.12000%. Compliant Rate Spread Home Loan.            
25016508 Refinance Cash-out - Other Primary 7/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914060 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $203,444.08 is underdisclosed from calculated Finance Charge of $203,494.66 in the amount of $50.58. TIL Itemization did not disclose the $50 courier fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25031579 Purchase Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13914053 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25031579 Purchase Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914054 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 7.25000% is underdisclosed from calculated APR of 7.67552% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25031579 Purchase Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914056 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $193,368.45 is underdisclosed from calculated Finance Charge of $198,805.34 in the amount of $5,436.89. TIL Itemization only disclosed a lump sum of $181.03 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25031579 Purchase Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914057 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25301591 Purchase Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914069 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 7.55000% is underdisclosed from calculated APR of 7.80931% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25301591 Purchase Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914070 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $87,923.57 is underdisclosed from calculated Finance Charge of $89,333.90 in the amount of $1,410.33. TIL itemization did not disclose a processing fee of $350 or commitment fee of $400 or an Attorney fee of $600 or a title insurance fee of $145 or a recording fee of $135 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25172791 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914065 Missing Document: Missing Final 1003             Provide missing documentation
25172791 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914066 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $155,244.27 is underdisclosed from calculated Finance Charge of $156,079.21 in the amount of $834.94. TIL Itemization did not disclose the processing fee of $300, commitment fee of $150, attorney's fee of $325, and tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25172791 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914067 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25172791 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914068 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25242904 Purchase Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914061 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25242904 Purchase Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914062 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25242904 Purchase Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914063 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
25242904 Purchase Primary 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914064 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $78,965.74 is underdisclosed from calculated Finance Charge of $79,265.16 in the amount of $299.42. TIL itemization did not disclose a processing fee of $250 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25514161 Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914071 Missing Document: Missing Final 1003             Provide missing documentation
25514161 Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914072 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
25514161 Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914073 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 7.56000% is underdisclosed from calculated APR of 7.70606% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25514161 Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914074 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $120,054.41 is underdisclosed from calculated Finance Charge of $121,164.00 in the amount of $1,109.59. Itemization of amount financed reflects a lump sum of $2424 however the audited finance charges total $3534         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25514161 Refinance Rate/Term Primary 8/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914075 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25903749 Purchase Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914077 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 7.99000% is underdisclosed from calculated APR of 8.44889% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25903749 Purchase Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914078 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $170,506.00 is underdisclosed from calculated Finance Charge of $174,886.98 in the amount of $4,380.98. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25031005 Refinance Cash-out - Home Improvement Primary 7/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914081 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $181,790.45 is underdisclosed from calculated Finance Charge of $182,550.17 in the amount of $759.72. TIL Itemization only disclosed origination charges in the amount of $3,480 and final HUD reflects $4,240.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25031005 Refinance Cash-out - Home Improvement Primary 7/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914082 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
25875891 Purchase Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13914079 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25875891 Purchase Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914080 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25854575 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914083 Missing Document: Missing Final 1003             Provide missing documentation
25854575 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914084 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $154,017.06 is underdisclosed from calculated Finance Charge of $154,452.32 in the amount of $435.26. itemized does not include processing fee $375 & tax service fee $60,         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25854575 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914085 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25854575 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914086 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25854575 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914087 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25208125 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914088 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $158,397.43 is underdisclosed from calculated Finance Charge of $159,232.65 in the amount of $835.22.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25208125 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914089 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25208125 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914090 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25057287 Purchase Primary 2/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914091 Missing Document: Missing Final 1003             Provide missing documentation
25538941 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914092 Missing Document: Missing Final 1003             Provide missing documentation
25538941 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914093 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25538941 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914094 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.12000% is underdisclosed from calculated APR of 10.39174% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25538941 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914095 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $18,301.99 is underdisclosed from calculated Finance Charge of $18,628.57 in the amount of $326.58. The Itemization of Amount Financed does not breakdown which fees are prepaid finance charges. However, the difference between the amount of the prepaid finance charges on the Itemization and the HUD is exactly $325, which is the amount of the Attorney fees.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25538941 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914096 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25538941 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914097 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25715950 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914098 Missing Document: Missing Final 1003             Provide missing documentation
25715950 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914101 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25790942 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914099 Missing Document: Missing Final 1003             Provide missing documentation
25790942 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914100 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $173,581.32 is underdisclosed from calculated Finance Charge of $174,580.82 in the amount of $999.50. TIL Itemization did not disclose the attorney's fee of $500, processing fee of $350, tax service of $60, courier fee of $80, and wire fee of $10 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25683739 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914107 Missing Document: Missing Final 1003             Provide missing documentation
25683739 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914109 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25683739 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914113 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25683739 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914114 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25895970 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914102 Missing Document: Missing Final 1003             Provide missing documentation
25895970 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914103 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25895970 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914104 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $175,400.84 is underdisclosed from calculated Finance Charge of $175,725.95 in the amount of $325.11. TIL itemization did not disclose an attorney fee of $325 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25895970 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914105 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25895970 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914110 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25224725 Refinance Cash-out - Home Improvement Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914106 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $193,736.10 is underdisclosed from calculated Finance Charge of $194,470.93 in the amount of $734.83. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25224725 Refinance Cash-out - Home Improvement Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914108 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25703465 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914111 Missing Document: Missing Final 1003             Provide missing documentation
25703465 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914112 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25351884 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914115 Missing Document: Missing Final 1003             Provide missing documentation
25351884 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13914116 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25351884 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914117 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 12.16540% is underdisclosed from calculated APR of 12.66070% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25351884 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914118 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $9,671.26 is underdisclosed from calculated Finance Charge of $9,906.26 in the amount of $235.00. TIL Itemization only disclosed origination charges in the amount of $336.93 and final HUD reflects $603.93.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25351884 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914119 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25631789 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13914120 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25631789 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914121 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $146,894.13 is underdisclosed from calculated Finance Charge of $147,629.11 in the amount of $734.98. TIL itemization only included the loan discount fee as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25631789 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914122 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25289440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914123 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $57,143.17 is underdisclosed from calculated Finance Charge of $57,553.27 in the amount of $410.10. Itemized did not include $60 tax service fee & &350 processing fee         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25289440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914124 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25289440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914125 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25289440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914126 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25289440 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914127 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25583040 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13914129 (Doc Error) RTC Error: Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25583040 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914130 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25795556 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914132 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25973368 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914136 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25973368 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914137 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Unable to clear with initial TIL received. Provide missing documentation
25264570 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914138 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25264570 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914139 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25264570 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13914140 (Doc Error) RTC Error: Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25539559 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914142 Virginia Tangible Net Benefit Test Virginia Mortgage Lender and Broker Act: Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information.            
25220782 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914144 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25960508 Refinance Cash-out - Other Primary 1/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914143 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25592678 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914145 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25132699 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13914146 Missing Document: Appraisal not provided             Provide missing documentation
25559697 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/11/2019 1 13914147 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.         (2019-08-15): Received Final TIL, exception cleared. Provide missing documentation
25559697 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/11/2019 1 13914148 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Received Final TIL, exception cleared. Provide missing documentation
25559697 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914149 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
25559697 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914150 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25975562 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914151 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25449554 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914153 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. The document is signed by both borrowers         Provide missing documentation
25449554 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914154 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25818150 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914155 Missing Document: Missing Final 1003             Provide missing documentation
25818150 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914156 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 8.99000% is underdisclosed from calculated APR of 9.95696% outside of 0.125% tolerance. TIL Itemization did not disclose Loan Discount Fee of $806.25, Loan Origination Fee of $215.00, or Settlement Charge of $150.00 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25818150 Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914157 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $17,771.98 is underdisclosed from calculated Finance Charge of $18,943.20 in the amount of $1,171.22. TIL Itemization did not disclose Loan Discount Fee of $806.25, Loan Origination Fee of $215.00, or Settlement Charge of $150.00 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25783877 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914159 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $561,915.24 is underdisclosed from calculated Finance Charge of $562,265.17 in the amount of $349.93. TIL Itemization did not disclose $350.00 Settlement Fee as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25635998 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914158 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25299883 Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914160 Missing Document: Missing Final 1003             Provide missing documentation
25299883 Refinance Cash-out - Debt Consolidation Primary 9/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914161 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25476230 Purchase Investment 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914163 Missing Document: Missing Final 1003             Provide missing documentation
25650049 Refinance Cash-out - Other Primary 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914165 Missing Document: Missing Final 1003             Provide missing documentation
25650049 Refinance Cash-out - Other Primary 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914167 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25538998 Purchase Primary 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914168 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $191,929.96 is underdisclosed from calculated Finance Charge of $192,180.29 in the amount of $250.33. TIL Itemization did not disclose Settlement Fee of $250.00 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25390483 Purchase Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914171 Missing Document: Missing Final 1003             Provide missing documentation
25486182 Purchase Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914176 Missing Document: Missing Final 1003             Provide missing documentation
25486182 Purchase Primary 6/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914177 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $67,410.70 is underdisclosed from calculated Finance Charge of $67,785.65 in the amount of $374.95. TIL Itemization did not disclose the attorney's fee of $375 as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25491258 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914172 Missing Document: Missing Final 1003             Provide missing documentation
25491258 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914174 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25491258 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914175 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25117043 Purchase Primary 5/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914178 Missing Document: Missing Final 1003             Provide missing documentation
25537438 Refinance Cash-out - Other Primary 8/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914179 Missing Document: Missing Final 1003             Provide missing documentation
25562600 Purchase Primary 9/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914180 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25023562 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914181 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25023562 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914182 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25023562 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914183 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25187229 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914184 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25431145 Refinance Rate/Term Primary 9/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914185 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25965650 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914186 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25965650 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914187 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25543983 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914188 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25543983 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914189 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25731324 Purchase Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914190 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25731324 Purchase Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914191 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 10.45900% is underdisclosed from calculated APR of 10.69072% outside of 0.125% tolerance. TIL Itemization did not disclose the $450 processing , $150 commitment, $13.50 processing ot $60 tac fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25731324 Purchase Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914192 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $60,563.51 is underdisclosed from calculated Finance Charge of $61,237.15 in the amount of $673.64. TIL Itemization did not disclose the $450 processing , $150 commitment, $13.50 processing ot $60 tac fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25731324 Purchase Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914193 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25389404 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914194 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25389404 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914195 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25130299 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914196 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25130299 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914197 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25130299 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914198 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25524192 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914199 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25524192 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914200 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25524192 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914201 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25851915 Purchase Primary 1/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914202 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25051930 Refinance Cash-out - Other Primary 2/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914204 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25086047 Refinance Cash-out - Other Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914203 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25819685 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914205 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25819685 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914206 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $116,386.13 is underdisclosed from calculated Finance Charge of $116,497.87 in the amount of $111.74. Itemization only disclosed $150 settlement fee and HUD-1 has $262.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25819685 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914207 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25819685 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914208 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25061142 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914209 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25561543 Refinance Cash-out - Home Improvement Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914210 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25561543 Refinance Cash-out - Home Improvement Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914211 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25839687 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914212 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25839687 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914213 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25492250 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914214 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25492250 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914215 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25492250 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914216 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25122594 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914219 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25122594 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914220 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25265834 Refinance Rate/Term Primary 8/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914217 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25265834 Refinance Rate/Term Primary 8/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914218 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25517680 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914221 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25517680 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914222 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25667146 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914223 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25667146 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914224 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25667146 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13914225 Missing Document: Appraisal not provided             Provide missing documentation
25892885 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914226 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25892885 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914227 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25287606 Refinance Cash-out - Other Investment 11/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914229 Disparity in Occupancy - Not High Cost The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment)            
25010967 Refinance Cash-out - Other Investment 1/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914230 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25339471 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914231 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25339471 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914232 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25331082 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914233 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25331082 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914234 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25192981 Purchase Investment 7/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914235 Disparity in Occupancy - Not High Cost The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment)            
25062967 Refinance Cash-out - Debt Consolidation Primary 9/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914238 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $168,467.43 is underdisclosed from calculated Finance Charge of $168,557.34 in the amount of $89.91. TIL Itemization did not disclose the wire fee of $12 or the courier fee of $78 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25672291 Refinance Cash-out - Other Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914236 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25672291 Refinance Cash-out - Other Primary 6/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914237 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2008, prior to three (3) business days from transaction date of 06/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25071556 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914239 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25071556 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914240 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2008, prior to three (3) business days from transaction date of 10/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25083703 Refinance Cash-out - Other Investment 3/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914241 Missing Document: Missing Final 1003             Provide missing documentation
25329158 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914244 Missing Document: Missing Final 1003             Provide missing documentation
25998133 Purchase Primary 2/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914247 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25998133 Purchase Primary 2/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914248 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
25998133 Purchase Primary 2/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914249 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $296,690.56 is underdisclosed from calculated Finance Charge of $305,222.54 in the amount of $8,531.98. It appears a lower Index was used at origination than the 3.1% Index available within the look-back period.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25475660 Purchase Primary 12/XX/2005 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914250 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25475660 Purchase Primary 12/XX/2005 IA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13914251 (Doc Error) Initial GFE not provided              
25475660 Purchase Primary 12/XX/2005 IA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13914252 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25475660 Purchase Primary 12/XX/2005 IA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13914253 Missing Document: Credit Report not provided             Provide missing documentation
25980819 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914256 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25980819 Refinance Cash-out - Other Primary 9/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914257 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25757117 Refinance Cash-out - Debt Consolidation Second Home 4/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914258 Disparity in Occupancy - Not High Cost The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home)            
25736188 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914259 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25736188 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13914260 (Doc Error) RTC Error: Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25089072 Purchase Primary 7/XX/2004 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914263 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25089072 Purchase Primary 7/XX/2004 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914264 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25089072 Purchase Primary 7/XX/2004 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914265 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25657875 Purchase Primary 4/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914267 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25657875 Purchase Primary 4/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914268 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25657875 Purchase Primary 4/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914269 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25657875 Purchase Primary 4/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914270 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25657875 Purchase Primary 4/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914271 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
25998842 Refinance Cash-out - Other Primary 5/XX/2008 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914272 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25998842 Refinance Cash-out - Other Primary 5/XX/2008 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914273 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.54700% is underdisclosed from calculated APR of 9.79520% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25998842 Refinance Cash-out - Other Primary 5/XX/2008 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914274 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $243,856.66 is underdisclosed from calculated Finance Charge of $246,376.17 in the amount of $2,519.51. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Origination Fee in the amount of $2400, Title Courier Fee in the amount of $60 nor the Prepaid Interest Fee in the amount of $126.68 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25044618 Refinance Cash-out - Other Primary 4/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914275 Missing Document: Missing Final 1003             Provide missing documentation
25044618 Refinance Cash-out - Other Primary 4/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914277 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25044618 Refinance Cash-out - Other Primary 4/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914278 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25044618 Refinance Cash-out - Other Primary 4/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914279 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25044618 Refinance Cash-out - Other Primary 4/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914280 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25540120 Purchase Primary 5/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914283 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25540120 Purchase Primary 5/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914284 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25540120 Purchase Primary 5/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914285 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25664801 Refinance Cash-out - Other Primary 6/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914288 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25664801 Refinance Cash-out - Other Primary 6/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914290 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25664801 Refinance Cash-out - Other Primary 6/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914291 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
25664801 Refinance Cash-out - Other Primary 6/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914292 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25446640 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914287 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25446640 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914289 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25446640 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914294 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25446640 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13914295 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25446640 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914296 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25654070 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914302 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25654070 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914303 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25654070 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914305 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25654070 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914306 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25654070 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914308 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
25654070 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914309 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25654070 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914310 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25434834 Refinance Cash-out - Other Primary 1/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914298 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25434834 Refinance Cash-out - Other Primary 1/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914299 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25434834 Refinance Cash-out - Other Primary 1/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914301 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25434834 Refinance Cash-out - Other Primary 1/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914304 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25434834 Refinance Cash-out - Other Primary 1/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914307 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25543204 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914315 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25543204 Refinance Cash-out - Other Primary 5/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13914317 Missing Document: Appraisal not provided             Provide missing documentation
25377355 Refinance Cash-out - Other Primary 2/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914311 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25377355 Refinance Cash-out - Other Primary 2/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914312 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25377355 Refinance Cash-out - Other Primary 2/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914314 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25285088 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914319 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25285088 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914320 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25285088 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914321 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25904113 Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914323 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25904113 Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914324 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25904113 Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914325 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25904113 Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914326 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25904113 Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914327 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25904113 Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13914328 Missing Document: Credit Report not provided             Provide missing documentation
25904113 Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914329 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
25904113 Refinance Cash-out - Other Primary 7/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13914330 Missing Document: Appraisal not provided             Provide missing documentation
25751712 Purchase Primary 10/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914332 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25751712 Purchase Primary 10/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914333 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25632442 Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914334 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $336,050.34 is underdisclosed from calculated Finance Charge of $336,100.42 in the amount of $50.08. TIL itemization did not disclose a courier fee of $280 as prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25632442 Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914335 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25697012 Purchase Primary 10/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914337 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25697012 Purchase Primary 10/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914342 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25697012 Purchase Primary 10/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914343 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
25697012 Purchase Primary 10/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914344 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25187358 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914339 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25187358 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914340 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25187358 Refinance Cash-out - Other Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914341 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25632305 Purchase Primary 9/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13914349 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25519716 Refinance Rate/Term Primary 2/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914350 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25016242 Refinance Cash-out - Other Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914351 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25016242 Refinance Cash-out - Other Primary 10/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914352 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
25406321 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914354 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25406321 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914355 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25406321 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914356 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25870985 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914358 (State Covered Loan) New Jersey Covered Loan (Points and Fees) New Jersey Covered Loan: Points and fees on subject loan of 4.13443 is in excess of the allowable maximum of 4% of the Total Loan Amount. Points and fees of $3,474.00 on a Total Loan Amount of $84,026.00 vs an allowable total of $3,361.04. Compliant Covered Loan.            
25870985 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13914359 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. 10 day grace period is less than the 15 day minimum per state - NJ.          
25870985 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914360 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25794406 Purchase Primary 12/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13914362 Missing Document: Appraisal not provided             Provide missing documentation
25202573 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914365 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25202573 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914366 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25202573 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914367 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
25202573 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914368 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25202573 Refinance Cash-out - Other Primary 2/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914369 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25843581 Purchase Primary 3/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914371 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25741775 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13914372 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25498850 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914374 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $217,883.73 is underdisclosed from calculated Finance Charge of $217,973.57 in the amount of $89.84. TIL Itemization shows that Settlement Charge was disclosed as $150.00 and actual was $205.00 for a $55.00 difference and CLP fee of $35.00 was not disclosed as a Prepaid Finance Charge. Total amount of discrepancy is $90.00         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25972238 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914378 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $62,775.01 is underdisclosed from calculated Finance Charge of $62,915.11 in the amount of $140.10. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25429551 Purchase Investment 1/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13914377 Missing Document: Appraisal not provided             Provide missing documentation
25263284 Purchase Primary 9/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914385 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25485520 Purchase Primary 4/XX/2008 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914383 Missing Document: Missing Final 1003             Provide missing documentation
25485520 Purchase Primary 4/XX/2008 PA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13914384 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25991255 Purchase Primary 3/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914375 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25025299 Purchase Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914379 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
25025299 Purchase Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13914380 (Doc Error) Initial GFE not provided              
25025299 Purchase Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13914381 Missing Document: Credit Report not provided             Provide missing documentation
25065558 Refinance Cash-out - Other Primary 10/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13914387 (Doc Error) Initial GFE not provided              
25065558 Refinance Cash-out - Other Primary 10/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914388 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
25065558 Refinance Cash-out - Other Primary 10/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914389 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25065558 Refinance Cash-out - Other Primary 10/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914390 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25805664 Purchase Primary 4/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914396 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25637524 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914392 Missing Document: Missing Final 1003             Provide missing documentation
25637524 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914393 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $150,564.28 is underdisclosed from calculated Finance Charge of $151,174.29 in the amount of $610.01. Itemization of amount financed reflects a bulk sum of finance charges of $2805.07 however the audited finance charges total $3415.07         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25637524 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914394 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25095809 Purchase Investment 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914395 Missing Document: Missing Final 1003             Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 04/16/2019 1 13914399 Missing Document: Missing Final 1003           (2019-08-15): Received Final 1003, exception cleared. Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Cleared 04/16/2019 1 13914404 Missing Document: Security Instrument not provided           (2019-08-15): Received Mortgage, exception cleared. Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Cleared 04/16/2019 1 13914406 (Doc Error) Initial GFE not provided           (2019-08-15): Received GFE, exception cleared.  
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Cleared 04/16/2019 1 13914408 Final Title Policy is missing. No evidence of title in file.           (2019-08-15): Received Final Tilte, exception cleared. Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 03/18/2019 1 13914410 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.         (2019-08-15): FACTA disclosure not provided see exception for missing disclosure. Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 03/15/2019 1 13914413 Massachusetts Borrower's Interest Tangible Net Benefit Test Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.         (2019-08-15): HUD recieved detailed $60k in cash out. OK to clear missing NTB.  
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 05/17/2019 1 13914414 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.         (2019-08-15): Cleared with Net tangible benefit worksheet provided.  
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 04/16/2019 1 13914415 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.         (2019-08-15): Received ARM Disclosure, exception cleared. No Defined Cure
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 04/16/2019 1 13914416 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.         (2019-08-15): Received ARM Disclosure, exception cleared. No Defined Cure
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 04/16/2019 1 13914417 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         (2019-08-15): Received Final TIL, exception cleared.  
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 04/16/2019 1 13914418 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019-08-15): Received ROR, exception cleared. Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 04/16/2019 1 13914419 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Received Final TIL, exception cleared. Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 04/16/2019 1 13914421 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.         (2019-08-15): Received FACTA Disclosure, exception cleared. Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 04/16/2019 1 13914422 Massachusetts Borrower's Interest Tangible Net Benefit Test Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information.         (2019-08-15): Borrower received $60k in cask per HUD-1/  
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914423 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914424 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $608,626.71 is underdisclosed from calculated Finance Charge of $609,441.67 in the amount of $814.96. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914425 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25171262 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914426 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914397 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/11/2019 1 13914398 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Received Final HUD, exception cleared. Provide missing documentation
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914400 Missing Document: Missing Final 1003             Provide missing documentation
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/11/2019 1 13914401 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-08-15): Received Final HUD, exception cleared. Provide missing documentation
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914402 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 02/11/2019 1 13914403 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.         (2019-08-15): Received Final TIL with provided date, exception cleared.  
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914405 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914407 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 8.31000% is underdisclosed from calculated APR of 8.45420% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914409 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $94,465.90 is underdisclosed from calculated Finance Charge of $95,175.62 in the amount of $709.72. TIL itemization did not disclose an attorney fee of $400, a processing fee of $250 and a tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25141106 Refinance Rate/Term Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13914411 (Doc Error) TIL Error: Borrower signature not dated.              
25807991 Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914427 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $124,808.53 is underdisclosed from calculated Finance Charge of $125,518.34 in the amount of $709.81. TIL itemization did not include the Tax cert fee of $60, Processing fee of $250 or Attorney's fee of $400 in the prepaid amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25924782 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914438 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
25924782 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914439 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $71,387.96 is underdisclosed from calculated Finance Charge of $72,022.95 in the amount of $634.99. TIL itemization did not disclose the attorney's fee of $325, processing fee of $250, and tax service of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25924782 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914440 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25859019 Refinance Cash-out - Home Improvement Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914432 Missing Document: Missing Final 1003             Provide missing documentation
25859019 Refinance Cash-out - Home Improvement Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914433 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
25859019 Refinance Cash-out - Home Improvement Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914434 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $77,954.07 is underdisclosed from calculated Finance Charge of $78,339.18 in the amount of $385.11. TIL itemization did not disclose an attorney fee of $325 or a tax service fee of $60 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25859019 Refinance Cash-out - Home Improvement Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914436 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25740832 Refinance Rate/Term Primary 4/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914428 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25740832 Refinance Rate/Term Primary 4/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914429 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
25740832 Refinance Rate/Term Primary 4/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914430 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25740832 Refinance Rate/Term Primary 4/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914431 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $81,518.30 is underdisclosed from calculated Finance Charge of $81,829.27 in the amount of $310.97. TIL Itemization only disclosed origination charges in the amount of $2,067.39 and final HUD reflects $2,337.39.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25740832 Refinance Rate/Term Primary 4/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914435 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25219776 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914442 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25219776 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914443 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25219776 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914444 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25219776 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914446 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25107996 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914445 Missing Document: Missing Final 1003             Provide missing documentation
25107996 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914447 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
25107996 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914448 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25107996 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914449 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $132,964.07 is underdisclosed from calculated Finance Charge of $133,674.01 in the amount of $709.94. TIL itemization did not disclose an a processing fee of $250.00, a settlement fee of $400.00, a tax service fee of $60.00 and a prepaid interest of $271.45 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25107996 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914451 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 05/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25079435 Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914441 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25079435 Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914450 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25079435 Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914452 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25079435 Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914453 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $67,857.49 is underdisclosed from calculated Finance Charge of $68,257.56 in the amount of $400.07. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25079435 Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914454 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 05/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25079435 Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914455 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25025392 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914456 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 8.32000% is underdisclosed from calculated APR of 8.52636% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25025392 Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914457 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $58,592.33 is underdisclosed from calculated Finance Charge of $59,226.95 in the amount of $634.62. According to the Amount Financed Itemization, the Lender failed to include the Loan Processing Fee of $250.00, Attorney's Fees of $325.00 and Tax Related Service Fee of $60.00 in finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25465814 Refinance Cash-out - Other Primary 6/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914459 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 8.91000% is underdisclosed from calculated APR of 9.08115% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25465814 Refinance Cash-out - Other Primary 6/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914460 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $66,398.07 is underdisclosed from calculated Finance Charge of $67,108.21 in the amount of $710.14. Under-disclosure is fee related. The Final TIL Itemization did not disclose the Title Attorney Fees in the amount of $400 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25584833 Refinance Cash-out - Debt Consolidation Investment 3/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914458 Missing Document: Missing Final 1003             Provide missing documentation
25343705 Refinance Rate/Term Primary 1/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914461 Missing Document: Missing Final 1003             Provide missing documentation
25343705 Refinance Rate/Term Primary 1/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914462 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25527343 Refinance Rate/Term Primary 12/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13914463 Missing Document: Missing Final 1003             Provide missing documentation
25527343 Refinance Rate/Term Primary 12/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914464 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25527343 Refinance Rate/Term Primary 12/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914465 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 12/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25527343 Refinance Rate/Term Primary 12/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13914466 Missing Document: Appraisal not provided             Provide missing documentation
25285547 Refinance Cash-out - Other Investment 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13914467 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
25285547 Refinance Cash-out - Other Investment 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13914468 Missing Document: Appraisal not provided             Provide missing documentation
25233500 Refinance Cash-out - Other Investment 11/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 05/13/2019 1 13914479 Disparity in Occupancy - High Cost The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) New Jersey Home Ownership Security Act: Points and Fees on subject loan of 5.10432% is in excess of the allowable maximum of 4.50000% of the Total Loan Amount. Points and Fees total $3,399.50 on a Total Loan Amount of $66,600.50 vs. an allowable total of $2,997.02 (an overage of $402.48 or .60432%). Non-Compliant High Cost Loan.       (2019-08-15): Cleared based on the occupancy cert received and clients/seller responses (2019-08-15): Conflicting data in file. Testing loan as O/O result HC exception. AMC to leave to the clients discretion to waive. Exception remains.  
25889720 Purchase Primary 6/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915052 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25486770 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/18/2018 1 13915061 Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.         (2019-08-15): Final HUD provided clearing issue Provide missing documentation
25486770 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915062 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25486770 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915063 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25486770 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915064 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25486770 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915065 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25486770 Purchase Primary 12/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915066 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25538004 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915055 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $193,987.39 is underdisclosed from calculated Finance Charge of $194,034.32 in the amount of $46.93. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25538004 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915056 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25538004 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915057 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25138945 Purchase Second Home 10/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915067 Missing Document: Missing Final 1003             Provide missing documentation
25138945 Purchase Second Home 10/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915068 (Doc Error) Initial GFE not provided              
25138945 Purchase Second Home 10/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915069 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25522265 Purchase Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915080 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25522265 Purchase Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915081 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25522265 Purchase Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915082 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25522265 Purchase Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915083 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25522265 Purchase Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915084 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25522265 Purchase Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915085 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $425,839.99 is underdisclosed from calculated Finance Charge of $426,066.03 in the amount of $226.04. Itemization did not disclose Settlement fee of $150 or courier fee of $75.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25190249 UTD UTD UTD 10/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915071 Missing Document: Missing Final 1003             Provide missing documentation
25190249 UTD UTD UTD 10/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915073 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25190249 UTD UTD UTD 10/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915074 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25190249 UTD UTD UTD 10/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915075 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25190249 UTD UTD UTD 10/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915076 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25190249 UTD UTD UTD 10/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915077 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25190249 UTD UTD UTD 10/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915079 (Doc Error) Initial GFE not provided              
25190249 UTD UTD UTD 10/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915087 Initial TIL not provided              
25152010 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915091 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25152010 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915092 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25392790 Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915088 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25392790 Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915089 (Doc Error) TIL Error: Borrower signature not dated.              
25392790 Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915090 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25773005 Purchase Primary 9/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915093 (Doc Error) Initial GFE not provided              
25773005 Purchase Primary 9/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915094 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25525730 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915095 (Doc Error) TIL Error: Borrower signature not dated.              
25525730 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915096 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25525730 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915097 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25362665 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 MT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915098 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25362665 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 MT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915099 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
25713680 Purchase Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915100 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25713680 Purchase Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915101 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25713680 Purchase Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915102 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25713680 Purchase Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915103 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25713680 Purchase Primary 3/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915104 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915105 (Doc Error) TIL Error: Borrower signature not dated.   Borrowers did not sign final TIL.          
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915106 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915107 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915108 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915109 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915110 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915111 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915112 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $503,695.08 is underdisclosed from calculated Finance Charge of $503,743.85 in the amount of $48.77. Itemization of Amount Finance was not provided. Unable to determine reason for tolerance violation.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915113 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25651489 Refinance Cash-out - Other Primary 9/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915114 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25145986 Refinance Cash-out - Other Primary 12/XX/2004 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915115 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25145986 Refinance Cash-out - Other Primary 12/XX/2004 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915116 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
25145986 Refinance Cash-out - Other Primary 12/XX/2004 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915117 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25145986 Refinance Cash-out - Other Primary 12/XX/2004 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915118 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25145986 Refinance Cash-out - Other Primary 12/XX/2004 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915119 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $177,208.00 is underdisclosed from calculated Finance Charge of $178,700.51 in the amount of $1,492.51. It appears the Index used is lower than the minimum Index available in our look back period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25391567 Refinance Cash-out - Other Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915120 FNMA Points and Fees FNMA Points and Fees on subject loan of 6.05556% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $9,810.00 on a Original Loan Amount of $162,000.00 vs. an allowable total of $8,100.00 (an overage of $1,710.00 or 1.05556%).            
25391567 Refinance Cash-out - Other Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915121 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
25391567 Refinance Cash-out - Other Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915122 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25391567 Refinance Cash-out - Other Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915123 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25391567 Refinance Cash-out - Other Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915124 Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.            
25277166 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915125 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25277166 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915126 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25277166 Refinance Cash-out - Other Primary 4/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915127 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25638382 Purchase Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915128 (Doc Error) Initial GFE not provided              
25638382 Purchase Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915130 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2000.           Provide missing documentation
25585524 Refinance Cash-out - Other Investment 10/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Loan File Compliance Cleared 12/17/2018 1 13915131 (Missing Doc) Incomplete loan images/file   No docs from time of origination provided in file       (2019-08-15): 12.17.2018: Received most of the documentation from origination, exception cleared. Provide missing documentation
25422889 Purchase Primary 11/XX/2007 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915133 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 9.57200% is underdisclosed from calculated APR of 9.82512% outside of 0.125% tolerance. TIL Itemization only disclosed origination charges in the amount of $1047.36 and final HUD reflects $5680.36         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25422889 Purchase Primary 11/XX/2007 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915134 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $340,927.71 is underdisclosed from calculated Finance Charge of $345,560.47 in the amount of $4,632.76. TIL Itemization only disclosed origination charges in the amount of $1047.36 and final HUD reflects $5680.36.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25024270 Purchase Primary 1/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915132 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
25694355 Purchase Primary 1/XX/2007 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915141 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25694355 Purchase Primary 1/XX/2007 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915142 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25306784 Purchase Primary 7/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915136 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25306784 Purchase Primary 7/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915137 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25306784 Purchase Primary 7/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915138 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25306784 Purchase Primary 7/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915139 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25280262 Refinance Rate/Term Primary 5/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915140 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25468071 Purchase Primary 9/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915151 FHA - Amendatory Clause is not compliant. Disclosure: FHA - Amendatory Clause (Government Documents) FHA Amendatory Clause is missing the Real Estate Agent signature.          
25468071 Purchase Primary 9/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915152 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents) FHA Real Estate Certification is missing the Real Estate Agent signature.          
25738580 Refinance Rate/Term Primary 7/XX/2001 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915144 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001.           Provide missing documentation
25369194 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915145 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25369194 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915146 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25369194 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915147 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25369194 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915148 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25369194 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915149 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25369194 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915150 (Doc Error) TIL Error: Borrower signature not dated.              
25129582 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915154 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25129582 Refinance Cash-out - Other Primary 12/XX/2007 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915155 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25345223 Refinance Rate/Term Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915156 (Doc Error) Initial GFE not provided              
25345223 Refinance Rate/Term Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915158 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Trailing docs received - no HUD provided - issue remains Provide missing documentation
25345223 Refinance Rate/Term Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915159 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25345223 Refinance Rate/Term Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915160 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25345223 Refinance Rate/Term Primary 8/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915161 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25425117 Refinance Rate/Term Primary 2/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915165 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $64,914.54 is underdisclosed from calculated Finance Charge of $66,792.98 in the amount of $1,878.44. Unable to determine reason for underdisclosure of amount financed. Fees match itemization of amount financed in file. Unable to verify index that Lender used due to missing information.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915162 Missing Document: Missing Final 1003             Provide missing documentation
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915163 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915164 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915166 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915167 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915168 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915169 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. No documentation with fees in file          
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915170 TILA HELOC - Impermissible Provision on HELOC Agreement Truth in Lending Act (HELOC): Agreement contains provision allowing creditor to unilaterally change terms of plan for impermissible circumstances.            
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915172 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915173 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915174 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Missing         Provide missing documentation
25184749 Refinance Cash-out - Other Primary 2/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915175 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915177 Missing Document: Missing Final 1003             Provide missing documentation
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915178 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915179 (Doc Error) Initial GFE not provided              
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915181 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915182 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915183 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915184 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915185 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915186 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25256788 Refinance UTD Primary 11/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915187 Initial TIL not provided              
25193695 Refinance Rate/Term Primary 4/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915190 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25193695 Refinance Rate/Term Primary 4/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915192 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25193695 Refinance Rate/Term Primary 4/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915194 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25193695 Refinance Rate/Term Primary 4/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915196 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25193695 Refinance Rate/Term Primary 4/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915198 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $129,722.08 is underdisclosed from calculated Finance Charge of $129,785.30 in the amount of $63.22. TIL Itemization did not disclose the recording service fee of $125 as a prepaid finance charge. Also, The HUD does not include a $28 credit report fee, a $30 document fee and a $5 funding fee as prepaid finance charges reflected on the itemization as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25255453 Purchase Primary 2/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915188 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25255453 Purchase Primary 2/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915189 (Doc Error) Initial GFE not provided              
25255453 Purchase Primary 2/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915191 Missing Document: Missing Final 1003             Provide missing documentation
25255453 Purchase Primary 2/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915195 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25255453 Purchase Primary 2/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915197 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25338437 Refinance Cash-out - Other Primary 2/XX/2007 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915199 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25338437 Refinance Cash-out - Other Primary 2/XX/2007 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915200 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25338437 Refinance Cash-out - Other Primary 2/XX/2007 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915201 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25704659 Purchase Primary 12/XX/2001 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915202 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2001.           Provide missing documentation
25679588 Purchase Primary 6/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915203 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25231895 Purchase Primary 1/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915204 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25705932 Purchase Investment 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915209 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25958968 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915205 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25958968 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915206 Missing Document: Missing Final 1003             Provide missing documentation
25958968 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13915207 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Holder's right to foreclose, Homestead Exemption Waiver            
25958968 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13915208 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
25405298 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915210 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
25405298 Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915211 (Doc Error) Initial GFE not provided              
25190067 Purchase Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915212 Missing Document: Missing Final 1003             Provide missing documentation
25190067 Purchase Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915213 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25190067 Purchase Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915214 (Doc Error) Initial GFE not provided              
25190067 Purchase Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915215 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25188603 Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915217 Missing Document: Missing Final 1003             Provide missing documentation
25188603 Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915218 (Doc Error) Initial GFE not provided              
25188603 Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/19/2018 1 13915220 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): 12.19.2018: Received trailing documentation clearing the exception. Provide missing documentation
25188603 Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/19/2018 1 13915221 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-08-15): 12.19.2018: Received trailing documentation clearing the exception. Provide missing documentation
25188603 Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/19/2018 1 13915222 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019-08-15): 12.19.2018: Received trailing documentation clearing the exception. Provide missing documentation
25188603 Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/19/2018 1 13915226 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): 12.19.2018: Received trailing documentation clearing the exception. Provide missing documentation
25188603 Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915230 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25188603 Refinance Rate/Term Primary 10/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915232 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $434,451.75 is underdisclosed from calculated Finance Charge of $434,613.57 in the amount of $161.82.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25029920 Refinance Cash-out - Other Primary 6/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915216 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.           Provide missing documentation
25891053 Refinance Rate/Term Primary 5/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/18/2018 1 13915238 Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.         (2019-08-15): Final HUD provided clearing issue Provide missing documentation
25891053 Refinance Rate/Term Primary 5/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915239 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25891053 Refinance Rate/Term Primary 5/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915240 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25891053 Refinance Rate/Term Primary 5/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915241 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25891053 Refinance Rate/Term Primary 5/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915242 FNMA Points and Fees FNMA Points and Fees on subject loan of 6.07199% is in excess of the allowable maximum of 5.00000% of the Original Loan Amount. FNMA Finance Charge total $16,212.20 on a Original Loan Amount of $267,000.00 vs. an allowable total of $13,350.00 (an overage of $2,862.20 or 1.07199%).            
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915223 Missing Document: Missing Final 1003             Provide missing documentation
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915224 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915225 (Doc Error) Initial GFE not provided              
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13915227 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915229 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Trailing docs received - no HUD provided - issue remains Provide missing documentation
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915231 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915233 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13915234 Missing Document: Security Instrument not provided             Provide missing documentation
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915235 Initial TIL not provided              
25199456 Refinance UTD Primary 6/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915237 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25108766 Purchase Primary 1/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915244 FNMA Points and Fees FNMA Points and Fees on subject loan of 6.10667% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2007). FNMA Finance Charge total $9,944.71 on a Original Loan Amount of $162,850.00 vs. an allowable total of $8,142.50 and $1000.00 (2007) (an overage of $1,802.21 or 1.10667%).            
25108766 Purchase Primary 1/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915245 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25900166 Purchase Primary 11/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915246 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25900166 Purchase Primary 11/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915247 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25910533 Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915251 Missing Document: Missing Final 1003             Provide missing documentation
25910533 Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915252 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003.           Provide missing documentation
25910533 Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/03/2018 1 13915253 (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information.         (2019-08-15): Documentation supports prior loan was not a cash out refinance - issue cleared Provide missing documentation
25910533 Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915254 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25910533 Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915255 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25910533 Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915256 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25910533 Refinance Rate/Term Primary 12/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915257 (Doc Error) Initial GFE not provided              
25859982 Purchase Primary 12/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915248 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25859982 Purchase Primary 12/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915249 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25859982 Purchase Primary 12/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 12/18/2018 1 13915250 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.         (2019-08-15): Final HUD provided clearing issue Provide missing documentation
25020660 Purchase Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915258 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25020660 Purchase Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915259 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
25020660 Purchase Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915260 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25020660 Purchase Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915261 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25255809 Purchase Primary 4/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915262 Missing Document: Missing Final 1003             Provide missing documentation
25255809 Purchase Primary 4/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915263 (Doc Error) TIL Error: Borrower signature not dated.              
25255809 Purchase Primary 4/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915264 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25255809 Purchase Primary 4/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915265 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25255809 Purchase Primary 4/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915266 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25255809 Purchase Primary 4/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915267 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25205832 UTD UTD UTD 3/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915268 Missing Document: Missing Final 1003             Provide missing documentation
25205832 UTD UTD UTD 3/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915269 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25205832 UTD UTD UTD 3/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915270 (Doc Error) Initial GFE not provided              
25205832 UTD UTD UTD 3/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915273 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Trailing docs received - no HUD provided - issue remains Provide missing documentation
25205832 UTD UTD UTD 3/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915274 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25205832 UTD UTD UTD 3/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915275 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25205832 UTD UTD UTD 3/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915276 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25205832 UTD UTD UTD 3/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13915277 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25583143 Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915278 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25583143 Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915279 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25583143 Refinance Cash-out - Other Primary 6/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915280 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.            
25999155 Purchase Primary 9/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915304 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25999155 Purchase Primary 9/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915305 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25999155 Purchase Primary 9/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915306 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915307 Missing Document: Missing Final 1003             Provide missing documentation
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13915308 Missing Document: Security Instrument not provided             Provide missing documentation
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13915309 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915310 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915311 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915312 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915313 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915314 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915315 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915316 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915317 (Doc Error) Initial GFE not provided              
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915318 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915319 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25463105 Refinance UTD Primary 5/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13915320 Missing Document: Credit Report not provided             Provide missing documentation
25054690 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915326 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25054690 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915327 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25054690 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915328 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25054690 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915329 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25054690 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915333 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25054690 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915334 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25054690 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915335 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25465120 Purchase Primary 3/XX/2007 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915321 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25465120 Purchase Primary 3/XX/2007 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915322 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25465120 Purchase Primary 3/XX/2007 AL $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915323 Alabama Prepayment Penalty Alabama Prepayment Penalty: Prepayment penalty not permissible by state law. PPP Expired. Prepayment charge not allowed per state (AL) - prepayment penalty is not permissible - note states 6 months interest on amount prepaid in excess of 20% of the original principal amount of the loan within the 12 month period. Lender is XXX.          
25465120 Purchase Primary 3/XX/2007 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915324 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25465120 Purchase Primary 3/XX/2007 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915325 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25977110 Refinance Cash-out - Other Primary 4/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915330 Missing Document: Missing Final 1003             Provide missing documentation
25977110 Refinance Cash-out - Other Primary 4/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915331 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25977110 Refinance Cash-out - Other Primary 4/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13915332 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25253935 Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915337 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25253935 Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915338 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25253935 Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915339 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $645,199.70 is underdisclosed from calculated Finance Charge of $645,235.43 in the amount of $35.73. TIL Itemization did not disclose Subordination Recording Fee of $46.00 as a Prepaid Finance Charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25253935 Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915340 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25358938 Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915342 (Doc Error) Initial GFE not provided              
25358938 Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915343 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25358938 Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915344 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25358938 Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915345 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25358938 Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915346 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25358938 Purchase Primary 8/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915347 Missing Document: Missing Final 1003             Provide missing documentation
25919306 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915349 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
25919306 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915350 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25919306 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915351 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25919306 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915352 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25919306 Purchase Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915353 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $812,820.95 is underdisclosed from calculated Finance Charge of $813,507.41 in the amount of $686.46. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25223074 Purchase Primary 3/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915355 Missing Document: Missing Final 1003             Provide missing documentation
25223074 Purchase Primary 3/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915356 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.           Provide missing documentation
25223074 Purchase Primary 3/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915357 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25223074 Purchase Primary 3/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915358 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25223074 Purchase Primary 3/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915359 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915362 Missing Document: Missing Final 1003             Provide missing documentation
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13915363 Missing Document: Security Instrument not provided             Provide missing documentation
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915364 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13915365 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915366 (Doc Error) Initial GFE not provided              
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915367 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915368 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915369 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915370 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915371 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915372 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915373 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915374 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25323828 Refinance UTD Primary 12/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Open   3 13915376 Incomplete Document: Note - Subject Lien is incomplete   Missing pages 3 and 4          
25186818 Refinance Rate/Term Primary 6/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915375 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25186818 Refinance Rate/Term Primary 6/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915377 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25186818 Refinance Rate/Term Primary 6/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915378 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25186818 Refinance Rate/Term Primary 6/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915379 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25045682 Purchase Primary 3/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915380 Missing Document: Missing Final 1003             Provide missing documentation
25045682 Purchase Primary 3/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915381 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25045682 Purchase Primary 3/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915382 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25045682 Purchase Primary 3/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915383 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25502324 Refinance Cash-out - Other Investment 10/XX/2007 RI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915384 Missing Document: Missing Final 1003             Provide missing documentation
25502324 Refinance Cash-out - Other Investment 10/XX/2007 RI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915385 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
25400043 Purchase Primary 4/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915386 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25400043 Purchase Primary 4/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915387 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25400043 Purchase Primary 4/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915388 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25400043 Purchase Primary 4/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915389 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25400043 Purchase Primary 4/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915390 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2008.           Provide missing documentation
25868650 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915393 Missing Document: Missing Final 1003             Provide missing documentation
25868650 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915394 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25868650 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915395 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25868650 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915396 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25348881 Purchase Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915391 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25348881 Purchase Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915392 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25685143 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915397 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2008.           Provide missing documentation
25685143 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915398 Missing Document: Missing Final 1003             Provide missing documentation
25414568 Purchase Primary 6/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915399 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008.           Provide missing documentation
25414568 Purchase Primary 6/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915400 Missing Document: Missing Final 1003             Provide missing documentation
25414568 Purchase Primary 6/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915401 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $324,723.46 is underdisclosed from calculated Finance Charge of $325,171.23 in the amount of $447.77. TIL itemization did not disclose a compliance fee of $450 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25738099 Purchase Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915402 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25738099 Purchase Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915403 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25124288 Purchase Primary 7/XX/2008 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915404 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25124288 Purchase Primary 7/XX/2008 GA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915405 (Doc Error) Initial GFE not provided              
25701041 Purchase Primary 5/XX/2003 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915406 Missing Document: Missing Final 1003             Provide missing documentation
25701041 Purchase Primary 5/XX/2003 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915407 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25838271 Purchase Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915408 (Doc Error) Initial GFE not provided              
25838271 Purchase Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915410 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25218048 Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915411 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25218048 Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915412 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25218048 Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915413 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $149,546.03 is underdisclosed from calculated Finance Charge of $149,589.28 in the amount of $43.25. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25911807 Purchase Primary 9/XX/2004 NM $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915414 Missing Document: Missing Final 1003             Provide missing documentation
25911807 Purchase Primary 9/XX/2004 NM $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915415 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25911807 Purchase Primary 9/XX/2004 NM $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915416 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25911807 Purchase Primary 9/XX/2004 NM $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915417 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
25589856 Refinance Rate/Term Primary 12/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915418 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $201,730.39 is underdisclosed from calculated Finance Charge of $209,161.30 in the amount of $7,430.91. Under disclosure due to final TIL not reflecting MI         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25589856 Refinance Rate/Term Primary 12/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915419 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25061398 Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915420 (Doc Error) Initial GFE not provided              
25061398 Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915421 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25061398 Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915422 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2009.           Provide missing documentation
25061398 Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915423 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.58700% is overdisclosed from calculated APR of 5.69588% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25061398 Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915424 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $427,418.17 is underdisclosed from calculated Finance Charge of $443,378.69 in the amount of $15,960.52. The Lender's TIL reflects MI dropping off after 151 months, however, the audited TIL indicates MI through the entire loan.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25061398 Refinance Rate/Term Primary 3/XX/2009 NJ $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915425 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25565150 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915426 New York Prepayment Penalty New York Prepayment Penalty: Prepayment penalty not permissible by state law. PPP Expired. Prepayment charge not allowed per state (NY) - max prepayment charge for NY is 0 - note states 6 months interest. Lender is XXX.          
25565150 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915427 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25565150 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915428 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25150940 Purchase Primary 10/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915429 Missing Document: Missing Final 1003             Provide missing documentation
25574277 Purchase Investment 6/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915430 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25574277 Purchase Investment 6/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915431 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25787293 Purchase Primary 8/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915432 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25787293 Purchase Primary 8/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915433 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25807542 Refinance Rate/Term Primary 6/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915434 (Doc Error) Initial GFE not provided              
25807542 Refinance Rate/Term Primary 6/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915435 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.         (2019-08-15): Received blank HUD-1. Exception remains. Provide missing documentation
25807542 Refinance Rate/Term Primary 6/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915436 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Received Initial TIL. Exception remains. Provide missing documentation
25807542 Refinance Rate/Term Primary 6/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915437 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2008.           Provide missing documentation
25807542 Refinance Rate/Term Primary 6/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915438 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Any applicable Federal, State or Local compliance testing is unreliable. Downgraded to EV2-B due to being outside SOL.         Provide missing documentation
25807542 Refinance Rate/Term Primary 6/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915439 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25807542 Refinance Rate/Term Primary 6/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915440 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25935855 Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915441 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25453546 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915442 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25453546 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915443 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25453546 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915444 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25453546 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915445 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25453546 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915446 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25453546 Refinance UTD Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915447 (Doc Error) Initial GFE not provided              
25524039 Refinance Cash-out - Other Primary 12/XX/2004 ID $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915449 Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.            
25524039 Refinance Cash-out - Other Primary 12/XX/2004 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915450 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $313,752.03 is underdisclosed from calculated Finance Charge of $314,408.54 in the amount of $656.51.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25408564 Refinance Cash-out - Debt Consolidation Primary 11/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13915451 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25408564 Refinance Cash-out - Debt Consolidation Primary 11/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915452 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 12.21690% or Final Disclosure APR of 12.22000% is in excess of allowable threshold of APOR 4.84% + 1.5%, or 6.34000%. Non-Compliant Higher Priced Mortgage Loan.            
25408564 Refinance Cash-out - Debt Consolidation Primary 11/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915453 (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.           Provide missing documentation
25408564 Refinance Cash-out - Debt Consolidation Primary 11/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915454 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment. At time of review the DTI was calculated using the payments of debts (not paid off at closing) disclosed on the credit application in file. The total income was also obtained from the credit application. The PITIA was calculated using the P&I disclosed on the Note, the premium disclosed on the hazard dec page and the taxes disclosed in the title commitment. The final DTI ratio calculation was 23.93%.          
25408564 Refinance Cash-out - Debt Consolidation Primary 11/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915455 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $218,745.65 is underdisclosed from calculated Finance Charge of $219,350.30 in the amount of $604.65. Under disclosure due to DSI.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25408564 Refinance Cash-out - Debt Consolidation Primary 11/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915456 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009.           Provide missing documentation
25408564 Refinance Cash-out - Debt Consolidation Primary 11/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915457 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25408564 Refinance Cash-out - Debt Consolidation Primary 11/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915458 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25627883 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915459 Missing Document: Missing Final 1003             Provide missing documentation
25627883 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915460 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25627883 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915461 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25627883 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915462 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $163,413.52 is underdisclosed from calculated Finance Charge of $163,474.44 in the amount of $60.92.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25608408 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915463 Missing Document: Missing Final 1003             Provide missing documentation
25608408 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915464 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25608408 Refinance Cash-out - Other Primary 7/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915465 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25418260 Purchase Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915466 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25418260 Purchase Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915467 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25418260 Purchase Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915468 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25418260 Purchase Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915469 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25418260 Purchase Primary 12/XX/2006 SC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915470 (Doc Error) Initial GFE not provided              
25710286 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915471 Missing Document: Missing Final 1003             Provide missing documentation
25710286 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915472 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25710286 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915474 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25710286 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915475 (Doc Error) Initial GFE not provided              
25710286 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915477 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25292551 Purchase Primary 8/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915473 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25521110 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915478 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25521110 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915479 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25521110 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915480 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25521110 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915481 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25780246 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NM $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915483 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $712,243.10 is underdisclosed from calculated Finance Charge of $714,521.02 in the amount of $2,277.92. Disclosed payment on Note of $2904.55 does not correspond with the loan amount, loan term, and interest rate on the loan. All interest collection methods have been tested.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915495 Missing Document: Missing Final 1003             Provide missing documentation
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13915496 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I Note P&I of $1,756.13 does not match Calculated P&I of $1,755.49 Interest rate on the note is incorrect 11.760%, should be 11.7648%         Provide missing documentation
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915497 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 12.18532% or Final Disclosure APR of 12.19000% is in excess of allowable threshold of APOR 4.07% + 1.5%, or 5.57000%. Non-Compliant Higher Priced Mortgage Loan.            
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915498 (Missing Data) Last Rate Set Date Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.           Provide missing documentation
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915499 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915501 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915504 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915505 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915507 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915509 2011 TIL-MDIA - Interest Rate Inaccurate Truth in Lending Act (MDIA 2011): Interest rate on the Final TIL does not match interest rate for the loan.            
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915510 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation.            
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915511 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25113280 Refinance Cash-out - Other Primary 10/XX/2011 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915512 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915484 Missing Document: Missing Final 1003             Provide missing documentation
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Missing Document General Credit Open   3 13915485 Missing Document: Stated not provided             Provide missing documentation
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915486 (Doc Error) Initial GFE not provided              
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915487 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915488 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/1996 used as disbursement date for compliance testing.           Provide missing documentation
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915489 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915490 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/1995. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915491 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915492 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915493 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25753597 UTD UTD UTD 4/XX/1996 NJ $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915494 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25232248 Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915500 (Doc Error) Initial GFE not provided              
25232248 Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915502 Missing Document: Missing Final 1003             Provide missing documentation
25232248 Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915503 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25232248 Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915506 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25232248 Purchase Primary 8/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915508 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25718652 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915513 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25718652 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915514 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25718652 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915515 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25718652 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915516 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25718652 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915517 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25718652 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915518 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25718652 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915519 (Doc Error) Initial GFE not provided              
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915520 Missing Document: Missing Final 1003             Provide missing documentation
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915521 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13915522 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915523 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915524 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915525 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915526 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915527 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915528 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 form was used, the G-7 frm should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25419655 Refinance Cash-out - Other Primary 8/XX/2005 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915529 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25863072 Purchase Primary 9/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915533 (Doc Error) Initial GFE not provided              
25863072 Purchase Primary 9/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915534 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25863072 Purchase Primary 9/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915535 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25324370 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915530 Missing Document: Missing Final 1003             Provide missing documentation
25324370 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915531 (Doc Error) Initial GFE not provided              
25324370 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915532 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25324370 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915536 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25324370 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915542 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25324370 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915548 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25324370 Refinance Cash-out - Other Primary 1/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915550 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915551 Missing Document: Missing Final 1003             Provide missing documentation
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915552 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915553 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915555 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915556 (Doc Error) Initial GFE not provided              
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915557 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)           Provide missing documentation
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13915558 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915559 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915561 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25116940 Purchase Primary 9/XX/2000 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915562 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2000.           Provide missing documentation
25349325 Refinance Rate/Term Primary 4/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915560 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25349325 Refinance Rate/Term Primary 4/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915563 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25349325 Refinance Rate/Term Primary 4/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915564 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25349325 Refinance Rate/Term Primary 4/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915565 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25349325 Refinance Rate/Term Primary 4/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915566 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25571072 Refinance Rate/Term Primary 7/XX/2006 MS $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915554 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25238429 Refinance Rate/Term Primary 9/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915568 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
25238429 Refinance Rate/Term Primary 9/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915569 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
25238429 Refinance Rate/Term Primary 9/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915570 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25651890 Refinance Cash-out - Debt Consolidation Primary 8/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915571 (Doc Error) Initial GFE not provided              
25651890 Refinance Cash-out - Debt Consolidation Primary 8/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915573 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25651890 Refinance Cash-out - Debt Consolidation Primary 8/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915574 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1992 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1992.           Provide missing documentation
25651890 Refinance Cash-out - Debt Consolidation Primary 8/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915575 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25651890 Refinance Cash-out - Debt Consolidation Primary 8/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915576 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25727120 Refinance Rate/Term Primary 10/XX/2005 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915572 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25237930 Purchase Primary 4/XX/1997 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915577 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25237930 Purchase Primary 4/XX/1997 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13915578 Missing Document: Appraisal not provided             Provide missing documentation
25237930 Purchase Primary 4/XX/1997 TX $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915580 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25237930 Purchase Primary 4/XX/1997 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915581 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25237930 Purchase Primary 4/XX/1997 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915582 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25208588 Purchase Primary 6/XX/2008 MS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915584 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $282,169.13 is underdisclosed from calculated Finance Charge of $282,563.40 in the amount of $394.27. There were 3 Appraisal fees and only 1 was disclosed: On the HUD: Line 803 is for an Appraisal : $375. POC Line 804: Updated Appraisal: $300 Line 807: another Appraisal Fee of $400.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25208588 Purchase Primary 6/XX/2008 MS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915585 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008.           Provide missing documentation
25720958 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915586 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25720958 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915587 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
25720958 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915588 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25549775 Purchase Primary 7/XX/2001 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915589 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001.           Provide missing documentation
25549775 Purchase Primary 7/XX/2001 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915590 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25549775 Purchase Primary 7/XX/2001 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915591 Missing Document: Missing Final 1003             Provide missing documentation
25549775 Purchase Primary 7/XX/2001 LA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915592 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25549775 Purchase Primary 7/XX/2001 LA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915593 Initial TIL not provided              
25549775 Purchase Primary 7/XX/2001 LA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915594 (Doc Error) Initial GFE not provided              
25127111 Refinance Rate/Term Primary 11/XX/2000 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915596 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25127111 Refinance Rate/Term Primary 11/XX/2000 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915598 Missing Document: Missing Final 1003             Provide missing documentation
25127111 Refinance Rate/Term Primary 11/XX/2000 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915600 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000.           Provide missing documentation
25127111 Refinance Rate/Term Primary 11/XX/2000 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915602 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25560671 Construction-Permanent Primary 6/XX/1996 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915595 Missing Document: Missing Final 1003             Provide missing documentation
25560671 Construction-Permanent Primary 6/XX/1996 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915597 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25560671 Construction-Permanent Primary 6/XX/1996 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13915599 Missing Document: Appraisal not provided             Provide missing documentation
25560671 Construction-Permanent Primary 6/XX/1996 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915601 (Doc Error) Initial GFE not provided              
25560671 Construction-Permanent Primary 6/XX/1996 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915603 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1996 used as disbursement date for compliance testing.           Provide missing documentation
25560671 Construction-Permanent Primary 6/XX/1996 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915604 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25560671 Construction-Permanent Primary 6/XX/1996 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915605 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1995. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25560671 Construction-Permanent Primary 6/XX/1996 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915606 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25319472 Refinance Cash-out - Other Primary 9/XX/2002 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915607 Missing Document: Missing Final 1003             Provide missing documentation
25319472 Refinance Cash-out - Other Primary 9/XX/2002 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915608 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002.           Provide missing documentation
25319472 Refinance Cash-out - Other Primary 9/XX/2002 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915609 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2002, prior to three (3) business days from transaction date of 09/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25319472 Refinance Cash-out - Other Primary 9/XX/2002 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915610 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25004358 Purchase Primary 5/XX/2002 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915611 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2002.           Provide missing documentation
25562294 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915612 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $275,702.75 is underdisclosed from calculated Finance Charge of $276,021.26 in the amount of $318.51. TIL itemization did not disclose an attorney fee of $400.00 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25562294 Refinance Cash-out - Debt Consolidation Primary 3/XX/2003 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915613 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25976526 Purchase Primary 10/XX/2002 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915614 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2002.           Provide missing documentation
25976526 Purchase Primary 10/XX/2002 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915615 Missing Document: Missing Final 1003             Provide missing documentation
25484268 Refinance Cash-out - Other Primary 4/XX/2003 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915616 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25805443 Purchase Primary 3/XX/2003 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915617 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003.           Provide missing documentation
25414139 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915618 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003.           Provide missing documentation
25586267 Purchase Primary 7/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915619 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25400297 Refinance Rate/Term Primary 7/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915623 Missing Document: Missing Final 1003             Provide missing documentation
25400297 Refinance Rate/Term Primary 7/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915624 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003.           Provide missing documentation
25400297 Refinance Rate/Term Primary 7/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915625 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25400297 Refinance Rate/Term Primary 7/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915626 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $180,286.20 is underdisclosed from calculated Finance Charge of $181,777.49 in the amount of $1,491.29. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. There is a Broker credit on page one of HUD for $4,356.93 which is not itemized therefore excluded.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25400297 Refinance Rate/Term Primary 7/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13915627 Missing Document: Credit Report not provided             Provide missing documentation
25880055 Refinance Rate/Term Primary 8/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915621 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25268609 Purchase Primary 9/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915628 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25268609 Purchase Primary 9/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915629 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25384000 Purchase Primary 9/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915622 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25119036 Refinance Rate/Term Primary 1/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915633 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $88,562.59 is underdisclosed from calculated Finance Charge of $88,716.49 in the amount of $153.90. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25674885 Refinance Rate/Term Investment 7/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915636 Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings.          
25064007 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915630 Missing Document: Missing Final 1003             Provide missing documentation
25064007 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915631 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25064007 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915634 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25064007 Refinance Cash-out - Other Primary 9/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915635 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25684331 Purchase Primary 11/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915637 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
25684331 Purchase Primary 11/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915638 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25684331 Purchase Primary 11/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915639 Missing Document: Missing Final 1003             Provide missing documentation
25865592 Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915640 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
25865592 Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915641 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.            
25865592 Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915642 Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.            
25865592 Refinance Rate/Term Primary 10/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13915643 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2003           Provide missing documentation
25419636 Purchase Primary 11/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915644 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
25419636 Purchase Primary 11/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915645 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25419636 Purchase Primary 11/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915646 Missing Document: Missing Final 1003             Provide missing documentation
25154674 Refinance Rate/Term Primary 1/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13915647 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25154674 Refinance Rate/Term Primary 1/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915648 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $175,197.21 is underdisclosed from calculated Finance Charge of $175,412.28 in the amount of $215.07. Unable to determine under disclosure due to missing Itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25395317 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915649 (Doc Error) Initial GFE not provided              
25322553 Purchase Second Home 3/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915651 Missing Document: Missing Final 1003             Provide missing documentation
25689583 Purchase Investment 11/XX/2003 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915650 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
25154782 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915652 Missing Document: Missing Final 1003             Provide missing documentation
25154782 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915653 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
25163002 Purchase Primary 6/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915654 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
25380798 Refinance Rate/Term Primary 5/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915655 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25380798 Refinance Rate/Term Primary 5/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915656 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25674559 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915658 Missing Document: Missing Final 1003             Provide missing documentation
25239468 Refinance Cash-out - Other Primary 8/XX/2004 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915657 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $184,781.78 is underdisclosed from calculated Finance Charge of $184,834.68 in the amount of $52.90. Under disclosure appears to be payment stream related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25276890 Purchase Primary 8/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915659 (Doc Error) Initial GFE not provided              
25401137 Refinance Rate/Term Primary 11/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915660 Missing Document: Missing Final 1003             Provide missing documentation
25401137 Refinance Rate/Term Primary 11/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915661 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25401137 Refinance Rate/Term Primary 11/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915662 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25401137 Refinance Rate/Term Primary 11/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915663 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25401137 Refinance Rate/Term Primary 11/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915664 (Doc Error) Initial GFE not provided              
25692219 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915665 Missing Document: Missing Final 1003             Provide missing documentation
25692219 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915666 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
25692219 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915667 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $214,213.82 is underdisclosed from calculated Finance Charge of $214,594.09 in the amount of $380.27. Unable to determine under disclosure due to missing the TIL itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25681251 Purchase Primary 11/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915668 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
25681251 Purchase Primary 11/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915669 Missing Document: Missing Final 1003             Provide missing documentation
25681251 Purchase Primary 11/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915670 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25681251 Purchase Primary 11/XX/2004 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915671 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25392739 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915675 Missing Document: Missing Final 1003             Provide missing documentation
25392739 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915676 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
25392739 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13915677 Missing Document: Credit Report not provided             Provide missing documentation
25117343 Purchase Investment 5/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915678 (Doc Error) Initial GFE not provided              
25804452 Purchase Primary 6/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915679 (Doc Error) Initial GFE not provided              
25405709 Purchase Primary 5/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915681 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
25599732 Purchase Primary 7/XX/2003 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915682 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25599732 Purchase Primary 7/XX/2003 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915683 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25599732 Purchase Primary 7/XX/2003 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915684 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $145,175.76 is underdisclosed from calculated Finance Charge of $145,454.68 in the amount of $278.92. Unable to determine reason for under disclosure due to missing TIL Itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25063533 Refinance Rate/Term Primary 7/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915685 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $107,106.32 is underdisclosed from calculated Finance Charge of $107,321.33 in the amount of $215.01. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25063533 Refinance Rate/Term Primary 7/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915686 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25444911 Refinance Rate/Term Primary 11/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915688 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25444911 Refinance Rate/Term Primary 11/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915689 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25444911 Refinance Rate/Term Primary 11/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915690 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25444911 Refinance Rate/Term Primary 11/XX/2003 MN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13915691 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/2003           Provide missing documentation
25549080 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915687 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25070282 Refinance Rate/Term Second Home 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915692 Missing Document: Missing Final 1003             Provide missing documentation
25070282 Refinance Rate/Term Second Home 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915694 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25110585 Refinance Rate/Term Primary 9/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915695 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25110585 Refinance Rate/Term Primary 9/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915696 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $117,727.23 is underdisclosed from calculated Finance Charge of $117,808.90 in the amount of $81.67. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25833689 Purchase Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915697 (Doc Error) TIL Error: Borrower signature not dated.              
25808805 Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915698 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $239,380.08 is underdisclosed from calculated Finance Charge of $239,568.37 in the amount of $188.29. TIL itemization did not disclose a courier fee of $34, a subordination fee of $24, a settlement fee of $300, or a recording service fee of $25 as prepaid finance charges         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25808805 Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915699 Missing Document: Missing Final 1003             Provide missing documentation
25808805 Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915700 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25685374 Purchase Primary 11/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915701 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25903659 Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915702 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25903659 Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915703 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25903659 Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915704 Missing Document: Missing Final 1003             Provide missing documentation
25677850 Purchase Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915705 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25677850 Purchase Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915706 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25677850 Purchase Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915707 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25677850 Purchase Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915708 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25677850 Purchase Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915709 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $489,516.99 is underdisclosed from calculated Finance Charge of $489,810.84 in the amount of $293.85. The Lender's TIL reflects MI dropping off after 116 months, however, the audited TIL indicates MI should drop off after 117 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25593505 Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13915710 Missing Document: Credit Report not provided             Provide missing documentation
25593505 Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915712 (Doc Error) Initial GFE not provided              
25593505 Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915713 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25593505 Refinance Cash-out - Other Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915714 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25045717 Refinance Rate/Term Primary 11/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915715 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25602434 Refinance Rate/Term Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915716 Missing Document: Missing Final 1003             Provide missing documentation
25602434 Refinance Rate/Term Primary 1/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915717 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25459675 Purchase Primary 10/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915718 Missing Document: Missing Final 1003             Provide missing documentation
25459675 Purchase Primary 10/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915719 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25884469 Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915720 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25020797 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915723 Missing Document: Missing Final 1003             Provide missing documentation
25020797 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915725 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
25245402 Refinance Rate/Term Primary 3/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915721 (Doc Error) Initial GFE not provided              
25245402 Refinance Rate/Term Primary 3/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915722 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25245402 Refinance Rate/Term Primary 3/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915724 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25035898 Refinance Rate/Term Primary 3/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915726 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
25035898 Refinance Rate/Term Primary 3/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915727 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
25035898 Refinance Rate/Term Primary 3/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915728 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25289691 Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915729 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25289691 Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915730 Missing Document: Missing Final 1003             Provide missing documentation
25289691 Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915731 Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25289691 Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915732 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25028674 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915736 (Doc Error) Initial GFE not provided              
25028674 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915737 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25028674 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915738 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
25028674 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915739 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $302,755.52 is underdisclosed from calculated Finance Charge of $303,030.22 in the amount of $274.70. TIL Itemization does not disclose Settlement Fee of $295 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25278495 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915733 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25278495 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915734 Missing Document: Missing Final 1003             Provide missing documentation
25278495 Refinance Cash-out - Other Primary 5/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915735 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25218522 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915740 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25218522 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915741 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25218522 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915742 Missing Document: Missing Final 1003             Provide missing documentation
25417943 Refinance Cash-out - Other Primary 6/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915745 (Doc Error) Initial GFE not provided              
25462009 Refinance Rate/Term Second Home 8/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915743 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
25462009 Refinance Rate/Term Second Home 8/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915744 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25263305 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915746 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25263305 Refinance Cash-out - Other Primary 8/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915747 Missing Document: Missing Final 1003             Provide missing documentation
25582296 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915753 Missing Document: Missing Final 1003             Provide missing documentation
25582296 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915754 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25582296 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915755 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25582296 Refinance Cash-out - Other Primary 7/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915756 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $317,089.82 is underdisclosed from calculated Finance Charge of $317,182.76 in the amount of $92.94. TIL Itemization did not disclose the loan tie-in fee of $95 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25667600 Purchase Primary 7/XX/2006 UT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915749 Missing Document: Missing Final 1003             Provide missing documentation
25667600 Purchase Primary 7/XX/2006 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915750 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25667600 Purchase Primary 7/XX/2006 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915751 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25667600 Purchase Primary 7/XX/2006 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915752 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25138419 Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915758 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25398417 Refinance Cash-out - Other Primary 8/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915759 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25398417 Refinance Cash-out - Other Primary 8/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915760 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $426,721.65 is underdisclosed from calculated Finance Charge of $426,808.85 in the amount of $87.20. TIL itemization did not disclose a release tracking fee of $50, or a courier fee of $30 as prepaid finance charges         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25398417 Refinance Cash-out - Other Primary 8/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915761 Missing Document: Missing Final 1003             Provide missing documentation
25060874 Refinance Cash-out - Debt Consolidation Investment 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915762 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25060874 Refinance Cash-out - Debt Consolidation Investment 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915763 Missing Document: Missing Final 1003             Provide missing documentation
25890999 Refinance Cash-out - Other Primary 10/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915764 Missing Document: Missing Final 1003             Provide missing documentation
25890999 Refinance Cash-out - Other Primary 10/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915766 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25890999 Refinance Cash-out - Other Primary 10/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915767 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25839342 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915768 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $112,563.75 is underdisclosed from calculated Finance Charge of $113,413.85 in the amount of $850.10. TIL Itemization did not disclose an CLO Fee of $850 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25747208 Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915769 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25747208 Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915770 Missing Document: Missing Final 1003             Provide missing documentation
25747208 Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915771 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25253857 Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915772 (Doc Error) Initial GFE not provided              
25253857 Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915773 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25253857 Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915774 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $496,518.60 is underdisclosed from calculated Finance Charge of $496,803.60 in the amount of $285.00. TIL itemization did not disclose a settlement fee of $195.00, a courier fee of $60.00 and a wire fee of $30.00 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25253857 Purchase Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915775 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25962276 Refinance Rate/Term Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915776 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25798275 Purchase Primary 1/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13915777 Missing Document: Credit Report not provided             Provide missing documentation
25798275 Purchase Primary 1/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915778 (Doc Error) Initial GFE not provided              
25721497 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915779 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25721497 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915780 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25721497 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915781 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25721497 Refinance Cash-out - Other Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915782 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25379804 Refinance Rate/Term Primary 1/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915788 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25379804 Refinance Rate/Term Primary 1/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13915789 Missing Document: Appraisal not provided             Provide missing documentation
25379804 Refinance Rate/Term Primary 1/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915790 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
25379804 Refinance Rate/Term Primary 1/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915791 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25379804 Refinance Rate/Term Primary 1/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915792 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25665348 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915783 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25665348 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915784 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $428,504.02 is underdisclosed from calculated Finance Charge of $428,576.18 in the amount of $72.16. TIL Itemization did not disclose the $27 Assignment recording, $18 recording fee and $27 subordination recording fee as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25665348 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915785 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25665348 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915786 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25665348 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915787 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25859426 Refinance Rate/Term Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915793 Missing Document: Missing Final 1003             Provide missing documentation
25859426 Refinance Rate/Term Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915794 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25859426 Refinance Rate/Term Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915795 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25859426 Refinance Rate/Term Primary 11/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915796 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25680311 Purchase Primary 10/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915797 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25680311 Purchase Primary 10/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915798 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25680311 Purchase Primary 10/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915799 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25680311 Purchase Primary 10/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915800 (Doc Error) Initial GFE not provided              
25854546 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915801 Missing Document: Missing Final 1003             Provide missing documentation
25854546 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915802 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25854546 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915803 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
25674376 Purchase Primary 1/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915804 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25327215 Refinance Cash-out - Other Primary 9/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915805 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25327215 Refinance Cash-out - Other Primary 9/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915806 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25327215 Refinance Cash-out - Other Primary 9/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915807 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25327215 Refinance Cash-out - Other Primary 9/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915808 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25327215 Refinance Cash-out - Other Primary 9/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915809 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25713868 Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915810 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25713868 Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915811 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25261693 Purchase Primary 11/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915814 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25261693 Purchase Primary 11/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915815 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25741245 Purchase Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915812 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25741245 Purchase Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915813 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25113113 Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915816 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25113113 Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915817 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25113113 Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915818 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25510923 Purchase Primary 3/XX/2007 OK $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915819 Missing Document: Missing Final 1003             Provide missing documentation
25510923 Purchase Primary 3/XX/2007 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915820 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25246192 Refinance Rate/Term Primary 3/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915821 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25246192 Refinance Rate/Term Primary 3/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915822 Missing Document: Missing Final 1003             Provide missing documentation
25698002 Purchase Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915823 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25698002 Purchase Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915824 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25698002 Purchase Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915825 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25285119 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915826 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25275878 Purchase Primary 4/XX/2007 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915827 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25425104 Refinance Rate/Term Primary 5/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915828 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25412731 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915829 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25412731 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915830 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25412731 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915831 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25412731 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915832 Missing Document: Missing Final 1003             Provide missing documentation
25544311 Refinance Cash-out - Other Investment 11/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915833 Missing Document: Missing Final 1003             Provide missing documentation
25346103 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915834 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25346103 Refinance Cash-out - Other Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915835 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25565952 Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915837 Missing Document: Missing Final 1003             Provide missing documentation
25565952 Purchase Primary 5/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915838 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25456873 Purchase Primary 5/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915839 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25047603 Construction-Permanent Second Home 1/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915841 (Doc Error) Initial GFE not provided              
25047603 Construction-Permanent Second Home 1/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13915842 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25047603 Construction-Permanent Second Home 1/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915843 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25047603 Construction-Permanent Second Home 1/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915844 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25047603 Construction-Permanent Second Home 1/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915845 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25047603 Construction-Permanent Second Home 1/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13915846 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25047603 Construction-Permanent Second Home 1/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13915847 Missing Document: Appraisal not provided             Provide missing documentation
25909262 Refinance Rate/Term Primary 5/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915848 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25909262 Refinance Rate/Term Primary 5/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915849 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25812048 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915850 (Doc Error) Initial GFE not provided              
25812048 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915851 Missing Document: Missing Final 1003             Provide missing documentation
25812048 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915852 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25812048 Refinance Cash-out - Other Primary 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915853 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25911595 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915854 Missing Document: Missing Final 1003             Provide missing documentation
25911595 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915855 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25911595 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915856 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25911595 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915857 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25886685 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915858 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25490754 Refinance Cash-out - Other Primary 5/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915859 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25794062 Purchase Primary 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915860 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $210,997.85 is underdisclosed from calculated Finance Charge of $211,268.36 in the amount of $270.51. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25705327 Purchase Primary 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915861 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25705327 Purchase Primary 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915862 Missing Document: Missing Final 1003             Provide missing documentation
25893992 Refinance Cash-out - Other Primary 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915863 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25685839 Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915864 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25291670 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915865 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
25291670 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915866 Missing Document: Missing Final 1003             Provide missing documentation
25291670 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915867 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25691949 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915868 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
25691949 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915869 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
25691949 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915870 Missing Document: Missing Final 1003             Provide missing documentation
25903250 Refinance Cash-out - Other Second Home 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915871 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25903250 Refinance Cash-out - Other Second Home 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915872 (Doc Error) Initial GFE not provided              
25903250 Refinance Cash-out - Other Second Home 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915873 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25975812 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915874 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
25975812 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915875 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25975812 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915876 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25975812 Purchase Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915877 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25248088 Purchase Primary 6/XX/2007 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915880 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25248088 Purchase Primary 6/XX/2007 MN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915882 (Doc Error) Initial GFE not provided              
25823111 Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915879 Initial TIL not provided              
25823111 Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915881 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
25823111 Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915883 Missing Document: Missing Final 1003             Provide missing documentation
25814460 Refinance Rate/Term Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915884 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $186,269.45 is underdisclosed from calculated Finance Charge of $186,314.25 in the amount of $44.80. TIL Itemization did not disclose a digital archive fee of $30 and a COI fee of $15 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25380806 Purchase Second Home 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915878 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25425208 Purchase Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915885 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25425208 Purchase Primary 4/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915886 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25905863 Refinance Cash-out - Other Primary 9/XX/2007 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915887 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25026856 Purchase Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915892 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
25026856 Purchase Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915893 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25971822 Purchase Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915888 Missing Document: Missing Final 1003             Provide missing documentation
25971822 Purchase Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915889 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $457,269.76 is underdisclosed from calculated Finance Charge of $460,019.19 in the amount of $2,749.43. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25971822 Purchase Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915890 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25971822 Purchase Primary 7/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915891 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25477296 Purchase Primary 9/XX/2007 MS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915894 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25477296 Purchase Primary 9/XX/2007 MS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915895 Missing Document: Missing Final 1003             Provide missing documentation
25057307 Refinance Cash-out - Other Primary 8/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915896 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25014200 Purchase Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915897 Missing Document: Missing Final 1003             Provide missing documentation
25014200 Purchase Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915898 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25377933 Refinance Rate/Term Primary 9/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915899 Missing Document: Missing Final 1003             Provide missing documentation
25377933 Refinance Rate/Term Primary 9/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915900 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25377933 Refinance Rate/Term Primary 9/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915901 Prepayment Penalty Discrepancy Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, FNMA, and/or QM points and fees findings.            
25511663 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915902 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25511663 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915903 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25511663 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915904 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25828559 Refinance Rate/Term Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915905 Missing Document: Missing Final 1003             Provide missing documentation
25828559 Refinance Rate/Term Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915906 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25780254 Purchase Primary 10/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915907 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25780254 Purchase Primary 10/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915908 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25134870 Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915909 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25819336 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915910 (Doc Error) Initial GFE not provided              
25819336 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915911 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25819336 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915912 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25819336 Refinance Cash-out - Other Primary 9/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915913 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25567611 Purchase Primary 9/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915915 Missing Document: Missing Final 1003             Provide missing documentation
25567611 Purchase Primary 9/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915916 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25567611 Purchase Primary 9/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13915917 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25236467 Purchase Primary 9/XX/2007 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915918 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25735507 Refinance Rate/Term Primary 11/XX/2007 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915919 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $308,211.42 is underdisclosed from calculated Finance Charge of $308,257.59 in the amount of $46.17. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25735507 Refinance Rate/Term Primary 11/XX/2007 WA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13915920 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25735507 Refinance Rate/Term Primary 11/XX/2007 WA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915921 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25954527 Purchase Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915922 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25954527 Purchase Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915923 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25954527 Purchase Primary 10/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915924 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25607835 Refinance Rate/Term Investment 10/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915925 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25674747 Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915926 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25674747 Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915927 Missing Document: Missing Final 1003             Provide missing documentation
25436031 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915928 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25436031 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915929 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25535530 Purchase Primary 11/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915931 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25535530 Purchase Primary 11/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915932 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
25535530 Purchase Primary 11/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915933 Missing Document: Missing Final 1003             Provide missing documentation
25715416 Construction-Permanent Primary 7/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915930 (Doc Error) Initial GFE not provided              
25733733 Refinance Rate/Term Primary 12/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915934 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25592046 Refinance Rate/Term Primary 11/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915935 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25629403 Purchase Primary 11/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915936 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25629403 Purchase Primary 11/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915937 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25629403 Purchase Primary 11/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915938 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25629403 Purchase Primary 11/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915939 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $251,647.48 is underdisclosed from calculated Finance Charge of $251,823.42 in the amount of $175.94. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25629403 Purchase Primary 11/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915940 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25368980 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915941 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25368980 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915942 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25368980 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915944 (Doc Error) Initial GFE not provided              
25368980 Purchase Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915945 (Doc Error) TIL Error: Borrower signature not dated.              
25436717 Purchase Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915946 Missing Document: Missing Final 1003             Provide missing documentation
25436717 Purchase Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915947 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25436717 Purchase Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915948 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
25120416 Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915943 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25717754 Purchase Primary 10/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915949 Missing Document: Missing Final 1003             Provide missing documentation
25717754 Purchase Primary 10/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915950 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
25717754 Purchase Primary 10/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915951 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 10/XX/2007            
25099326 Purchase Primary 12/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915952 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25099326 Purchase Primary 12/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915953 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
25099326 Purchase Primary 12/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915954 Missing Document: Missing Final 1003             Provide missing documentation
25224836 Refinance Cash-out - Other Primary 1/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13915955 Missing Document: Credit Report not provided             Provide missing documentation
25224836 Refinance Cash-out - Other Primary 1/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915956 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008.           Provide missing documentation
25224836 Refinance Cash-out - Other Primary 1/XX/2008 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915957 Missing Document: Missing Final 1003             Provide missing documentation
25916680 Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915958 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25916680 Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915959 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25916680 Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915960 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
25916680 Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915961 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25140165 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915962 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
25140165 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915963 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $243,877.83 is underdisclosed from calculated Finance Charge of $244,127.67 in the amount of $249.84. No itemization of amount financed was provided to determine source of under disclosure         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25140165 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915964 Missing Document: Missing Final 1003             Provide missing documentation
25475518 Refinance Rate/Term Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13915965 (Doc Error) Initial GFE not provided              
25475518 Refinance Rate/Term Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915966 Missing Document: Missing Final 1003             Provide missing documentation
25475518 Refinance Rate/Term Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915967 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
25475518 Refinance Rate/Term Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915968 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25036951 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915976 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25036951 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915978 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25036951 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915980 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25036951 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915981 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25036951 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915982 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $398,852.93 is underdisclosed from calculated Finance Charge of $398,898.62 in the amount of $45.69. Final TIL payment stream disclosed MI dropping off after 122 months, however the calculated payment stream reflects MI dropping off after 123 months.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25961108 Purchase Primary 2/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915969 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25961108 Purchase Primary 2/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915970 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25961108 Purchase Primary 2/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915971 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $255,242.21 is underdisclosed from calculated Finance Charge of $255,366.04 in the amount of $123.83. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25874776 Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915972 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25874776 Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915973 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25874776 Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915974 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25874776 Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915975 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25874776 Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915977 Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable            
25874776 Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915979 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $296,109.35 is underdisclosed from calculated Finance Charge of $296,164.53 in the amount of $55.18. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25537247 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915983 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008.           Provide missing documentation
25537247 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915984 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25537247 Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915985 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25562377 Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13915986 Missing Document: Missing Final 1003             Provide missing documentation
25562377 Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915987 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25562377 Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915988 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25562377 Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915989 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25562377 Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13915990 Maryland Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grade period is less than 15 day minimum per state (MD).          
25562377 Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915991 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25562377 Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13915992 (Doc Error) TIL Error: Borrower signature not dated.              
25562377 Refinance Rate/Term Primary 11/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13915993 Missing Document: Credit Report not provided             Provide missing documentation
25298757 Purchase Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915995 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25298757 Purchase Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915997 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25298757 Purchase Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915998 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25131863 Purchase Primary 4/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13915994 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25131863 Purchase Primary 4/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915996 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25058457 Purchase Primary 5/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916004 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008.           Provide missing documentation
25058457 Purchase Primary 5/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916005 Missing Document: Missing Final 1003             Provide missing documentation
25134348 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13915999 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.           Provide missing documentation
25134348 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916000 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25134348 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916001 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25134348 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916002 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25134348 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916003 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25348156 Refinance Rate/Term Primary 6/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916006 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
25348156 Refinance Rate/Term Primary 6/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916007 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25105841 Purchase Primary 5/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916008 Missing Document: Missing Final 1003             Provide missing documentation
25105841 Purchase Primary 5/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916009 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25105841 Purchase Primary 5/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916010 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.           Provide missing documentation
25105841 Purchase Primary 5/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916011 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25953590 Purchase Primary 6/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916017 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25953590 Purchase Primary 6/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916018 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25953590 Purchase Primary 6/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916019 Missing Document: Missing Final 1003             Provide missing documentation
25953590 Purchase Primary 6/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916020 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008.           Provide missing documentation
25953590 Purchase Primary 6/XX/2008 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916021 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25341658 Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916012 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2008.           Provide missing documentation
25341658 Refinance Cash-out - Debt Consolidation Primary 7/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916013 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25471837 Purchase Primary 8/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916014 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2008.           Provide missing documentation
25471837 Purchase Primary 8/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916015 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25471837 Purchase Primary 8/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916016 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $517,008.61 is underdisclosed from calculated Finance Charge of $517,169.53 in the amount of $160.92. TIL itemization did not disclose a POA filing fee of $170 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25217443 Purchase Primary 8/XX/2008 AR $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916022 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25106652 Purchase Primary 8/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916040 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25106652 Purchase Primary 8/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916041 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25106652 Purchase Primary 8/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916042 (Doc Error) TIL Error: Borrower signature not dated.              
25463554 Purchase Primary 6/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916035 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25979574 Refinance Cash-out - Other Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916026 Missing Document: Missing Final 1003             Provide missing documentation
25979574 Refinance Cash-out - Other Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916032 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25979574 Refinance Cash-out - Other Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916034 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25979574 Refinance Cash-out - Other Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916036 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25979574 Refinance Cash-out - Other Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916037 Missing Document: Appraisal not provided             Provide missing documentation
25979574 Refinance Cash-out - Other Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916038 (Doc Error) Initial GFE not provided              
25385749 Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916043 (Doc Error) Initial GFE not provided              
25385749 Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916044 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25385749 Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916045 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25385749 Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916046 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2008           Provide missing documentation
25385749 Refinance Rate/Term Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916047 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25876620 Refinance Cash-out - Other Primary 10/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916027 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25876620 Refinance Cash-out - Other Primary 10/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916033 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
25868904 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916023 (Doc Error) Initial GFE not provided              
25868904 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916024 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25868904 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916025 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25868904 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916028 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25868904 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916029 Missing Document: Missing Final 1003             Provide missing documentation
25868904 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916030 Missing Document: Credit Report not provided             Provide missing documentation
25239737 Purchase Primary 10/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916031 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2008.           Provide missing documentation
25562101 Refinance Rate/Term Primary 12/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916048 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided Timely) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure at the time of closing. Disclosure provided 11/XX/2008.          
25141515 Purchase Primary 10/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916049 (Doc Error) TIL Error: Borrower signature not dated.              
25745407 Purchase Primary 12/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916050 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25745407 Purchase Primary 12/XX/2008 WA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916051 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
25514646 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916052 Maryland Ability to Repay Not Verified Maryland SB270: Borrower's ability to repay not verified with reliable documentation.            
25514646 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916053 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.            
25514646 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916054 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2008.           Provide missing documentation
25514646 Refinance Cash-out - Debt Consolidation Primary 2/XX/2009 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916056 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25150735 Refinance Rate/Term Primary 3/XX/2009 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916055 Missing Document: Missing Final 1003             Provide missing documentation
25150735 Refinance Rate/Term Primary 3/XX/2009 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916057 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2009.           Provide missing documentation
25150735 Refinance Rate/Term Primary 3/XX/2009 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916058 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25383396 Refinance Rate/Term Primary 5/XX/2009 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916059 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2009.           Provide missing documentation
25383396 Refinance Rate/Term Primary 5/XX/2009 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916060 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25407148 Refinance Rate/Term Second Home 6/XX/2009 WA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916061 (Doc Error) Initial GFE not provided              
25407148 Refinance Rate/Term Second Home 6/XX/2009 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916062 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2008.           Provide missing documentation
25407148 Refinance Rate/Term Second Home 6/XX/2009 WA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916063 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
25407148 Refinance Rate/Term Second Home 6/XX/2009 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916064 Missing Document: Missing Final 1003             Provide missing documentation
25867194 Refinance Rate/Term Primary 9/XX/2009 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916066 (Doc Error) TIL Error: Borrower signature not dated.              
25867194 Refinance Rate/Term Primary 9/XX/2009 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916067 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25867194 Refinance Rate/Term Primary 9/XX/2009 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916068 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25867194 Refinance Rate/Term Primary 9/XX/2009 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916069 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25867194 Refinance Rate/Term Primary 9/XX/2009 MA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916070 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2009           Provide missing documentation
25758909 Purchase Primary 9/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916065 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25271369 Refinance Rate/Term Primary 11/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916071 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25271369 Refinance Rate/Term Primary 11/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916072 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2009.           Provide missing documentation
25271369 Refinance Rate/Term Primary 11/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916073 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25271369 Refinance Rate/Term Primary 11/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916074 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25271369 Refinance Rate/Term Primary 11/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916075 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 11/XX/2009           Provide missing documentation
25256931 Purchase Primary 11/XX/2009 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916077 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25256931 Purchase Primary 11/XX/2009 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916078 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009.           Provide missing documentation
25256931 Purchase Primary 11/XX/2009 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916079 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25256931 Purchase Primary 11/XX/2009 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916080 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916081 Missing Document: Missing Final 1003             Provide missing documentation
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916082 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916083 RESPA (2010) HUD column on HUD Comparison Chart Inaccurate RESPA (2010) HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.            
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916085 RESPA - Incorrect HUD-1 Form Used RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.            
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916087 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916090 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916091 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916092 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916093 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916094 (Doc Error) Initial GFE not provided              
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916095 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916096 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25788213 Refinance Rate/Term Primary 2/XX/2010 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916097 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2010           Provide missing documentation
25885174 Refinance Cash-out - Debt Consolidation Primary 12/XX/2009 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916084 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25885174 Refinance Cash-out - Debt Consolidation Primary 12/XX/2009 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916086 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25885174 Refinance Cash-out - Debt Consolidation Primary 12/XX/2009 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916088 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916122 Missing Document: Missing Final 1003             Provide missing documentation
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916123 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2010.           Provide missing documentation
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916127 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916129 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916132 RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916134 RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916136 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916138 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916140 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916142 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916144 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916146 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 5.09350% is underdisclosed from calculated APR of 5.21970% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25334990 Refinance Cash-out - Other Primary 6/XX/2010 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916148 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $87,987.14 is underdisclosed from calculated Finance Charge of $89,295.70 in the amount of $1,308.56. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916098 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916099 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2010.           Provide missing documentation
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916100 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916101 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916102 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916103 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916104 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916105 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916108 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916110 RESPA (2010) GFE column on HUD Comparison Chart Inaccurate RESPA (2010) GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.            
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916112 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916113 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25156691 Refinance Rate/Term Primary 2/XX/2010 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916115 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916118 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916120 (Doc Error) GFE Error: Days before settlement not provided. GFE Date: 09/XX/2010            
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916125 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916128 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916130 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916131 RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.            
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916133 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916135 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916137 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916139 (Doc Error) TIL Error: Borrower signature not dated.              
25212876 Refinance Rate/Term Primary 11/XX/2010 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916141 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 07/XX/2010           Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916106 Missing Document: Missing Final 1003             Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916107 (Doc Error) Initial GFE not provided              
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916109 RESPA (2010) HUD column on HUD Comparison Chart Inaccurate RESPA (2010) HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.            
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916111 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916114 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916116 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916117 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916119 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916121 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916124 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25936603 Refinance Rate/Term Primary 12/XX/2010 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916126 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25881693 Refinance Rate/Term Primary 1/XX/2011 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916143 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25881693 Refinance Rate/Term Primary 1/XX/2011 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916145 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
25881693 Refinance Rate/Term Primary 1/XX/2011 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916147 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25881693 Refinance Rate/Term Primary 1/XX/2011 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916149 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25881693 Refinance Rate/Term Primary 1/XX/2011 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916150 RESPA (2010) Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. Service Providers List provided on 9/21/10 wheres the initial GFE was provided 9/15/10          
25697264 Refinance Rate/Term Primary 1/XX/2011 GA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916151 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 11/XX/2010           Provide missing documentation
25697264 Refinance Rate/Term Primary 1/XX/2011 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916152 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25697264 Refinance Rate/Term Primary 1/XX/2011 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916153 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25697264 Refinance Rate/Term Primary 1/XX/2011 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916154 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25697264 Refinance Rate/Term Primary 1/XX/2011 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916155 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25697264 Refinance Rate/Term Primary 1/XX/2011 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916156 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25994917 Refinance Cash-out - Debt Consolidation Primary 2/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916157 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25994917 Refinance Cash-out - Debt Consolidation Primary 2/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916158 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25994917 Refinance Cash-out - Debt Consolidation Primary 2/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916159 RESPA (2010) - 0% Tolerance (Line 1203) With Cure RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1            
25695913 Purchase Primary 2/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916161 RESPA (2010) - 0% Tolerance (Line 1203) Without Cure RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
25695913 Purchase Primary 2/XX/2011 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916162 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25103480 Refinance Rate/Term Primary 2/XX/2011 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916160 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916163 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916164 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916165 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2011, prior to three (3) business days from transaction date of 06/XX/2011.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916166 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916167 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916168 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916169 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916170 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916171 Missing Document: Missing Final 1003             Provide missing documentation
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916172 (Doc Error) Initial GFE not provided              
25189635 Refinance Rate/Term Primary 6/XX/2011 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916173 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916174 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916175 Missing Document: Appraisal not provided             Provide missing documentation
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916176 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916178 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916180 RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916181 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916182 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916183 RESPA (2010) - Loan Term on Final GFE Inaccurate RESPA (2010): Loan Term on Final GFE does not match Note.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916184 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916185 RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate RESPA (2010): Loan Amount on Final HUD-1 does not match Note.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916186 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916187 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916188 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916189 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916190 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25286491 Refinance Rate/Term Primary 6/XX/2011 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916191 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25538622 Refinance Rate/Term Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916177 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25538622 Refinance Rate/Term Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916179 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25380072 Purchase Primary 6/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916192 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25380072 Purchase Primary 6/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916193 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916194 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916195 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916196 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916197 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916198 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916199 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916200 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916206 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916207 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $283,517.85 is underdisclosed from calculated Finance Charge of $285,489.47 in the amount of $1,971.62. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916208 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2011.           Provide missing documentation
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916209 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916210 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916211 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916212 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25344694 Purchase Primary 8/XX/2011 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916213 RESPA (2010) Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. The document was printed 7/XX/2011.          
25730964 Refinance Cash-out - Debt Consolidation Primary 8/XX/2011 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916201 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
25730964 Refinance Cash-out - Debt Consolidation Primary 8/XX/2011 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916202 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
25730964 Refinance Cash-out - Debt Consolidation Primary 8/XX/2011 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916203 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
25730964 Refinance Cash-out - Debt Consolidation Primary 8/XX/2011 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916204 SAFE Act - Individual LO NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.            
25730964 Refinance Cash-out - Debt Consolidation Primary 8/XX/2011 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916205 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25045393 Refinance Rate/Term Primary 9/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916214 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25045393 Refinance Rate/Term Primary 9/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916215 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25045393 Refinance Rate/Term Primary 9/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916216 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25045393 Refinance Rate/Term Primary 9/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916217 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25045393 Refinance Rate/Term Primary 9/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916218 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25045393 Refinance Rate/Term Primary 9/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916219 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25045393 Refinance Rate/Term Primary 9/XX/2011 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916220 Missing Document: Appraisal not provided             Provide missing documentation
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916221 (Doc Error) GFE Error: Interest rate available through date not provided. GFE Date: 11/XX/2011 Interest Rate Available Through Date is blank for GFE dated 11/XX/2011.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916222 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2011.           Provide missing documentation
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916223 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916224 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916225 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916226 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916227 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916228 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916229 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916231 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916233 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916235 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25302720 Purchase Primary 12/XX/2011 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916237 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25238440 Refinance Cash-out - Debt Consolidation Primary 1/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916230 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25238440 Refinance Cash-out - Debt Consolidation Primary 1/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916232 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25238440 Refinance Cash-out - Debt Consolidation Primary 1/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916234 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25238440 Refinance Cash-out - Debt Consolidation Primary 1/XX/2012 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916236 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916238 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916239 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916240 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2011.           Provide missing documentation
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916241 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916242 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916243 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916244 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916245 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916246 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916247 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916248 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916249 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916250 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916251 Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916252 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25655836 Refinance Rate/Term Primary 12/XX/2011 WA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916253 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 01/XX/2011           Provide missing documentation
25197828 Purchase Primary 3/XX/2012 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916254 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25197828 Purchase Primary 3/XX/2012 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916255 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25197828 Purchase Primary 3/XX/2012 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916256 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25197828 Purchase Primary 3/XX/2012 OR $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916257 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25197828 Purchase Primary 3/XX/2012 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916258 TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916259 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916260 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916261 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916262 RESPA (2010) - Incorrect GFE Form Used RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916263 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916264 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916265 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916266 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916268 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916270 RESPA - Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916271 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916272 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916274 RESPA - Initial Escrow Account Statement Not Provided Timely RESPA: Initial escrow account statement was not provided to the borrower at closing. Dated 05/XX/2012.          
25512047 Purchase Primary 5/XX/2012 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916277 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $77,034.59 is underdisclosed from calculated Finance Charge of $77,264.02 in the amount of $229.43.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916267 Missing Document: Credit Report not provided             Provide missing documentation
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916269 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916273 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916275 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916276 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916278 Missing Document: Appraisal not provided             Provide missing documentation
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916279 (Doc Error) TIL Error: Final TIL not signed by all required parties   Final TIL not signed however, Acknowledgement of Receipt in file signed by borrower.          
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916280 (Doc Error) Initial GFE not provided              
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916281 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2012.           Provide missing documentation
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916282 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916283 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916284 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916285 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916286 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25019799 Refinance Rate/Term Primary 12/XX/2012 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916287 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25489869 Refinance Rate/Term Primary 10/XX/2012 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916288 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25489869 Refinance Rate/Term Primary 10/XX/2012 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916289 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25489869 Refinance Rate/Term Primary 10/XX/2012 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916290 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25348259 Refinance Cash-out - Other Primary 2/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916293 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25348259 Refinance Cash-out - Other Primary 2/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916295 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25271765 Refinance Rate/Term Primary 9/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916294 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25271765 Refinance Rate/Term Primary 9/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916296 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25271765 Refinance Rate/Term Primary 9/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916298 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25271765 Refinance Rate/Term Primary 9/XX/2012 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916300 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916291 (Doc Error) TIL Error: Borrower signature not dated.              
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916292 (Doc Error) Initial GFE not provided              
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916297 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2012.           Provide missing documentation
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916299 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916301 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916302 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916303 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916304 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916305 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916306 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916307 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916308 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916309 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916310 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2013           Provide missing documentation
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916311 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25914565 Refinance Rate/Term Primary 5/XX/2013 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916312 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13916313 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916314 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916315 RESPA - Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916316 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916317 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916318 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916319 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916320 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916321 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916322 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916323 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2013           Provide missing documentation
25568583 Refinance Rate/Term Primary 4/XX/2013 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916324 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $58,930.70 is underdisclosed from calculated Finance Charge of $59,212.98 in the amount of $282.28. Unable to determine under disclosure due to missing Itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916325 Missing Document: Missing Final 1003             Provide missing documentation
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916326 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.            
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916327 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916328 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2013 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2013.           Provide missing documentation
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916329 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916330 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916331 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916332 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916333 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916334 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916335 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25957275 Refinance Rate/Term Primary 4/XX/2013 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916336 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916341 (Doc Error) Initial GFE not provided              
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916342 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916343 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916344 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916345 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916346 TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation Truth in Lending Act (Early TIL Disclosure): Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.            
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916347 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916348 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 04/XX/2013           Provide missing documentation
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916349 (Doc Error) TIL Error: Borrower signature not dated.              
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916350 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916351 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $90,817.73 is underdisclosed from calculated Finance Charge of $91,006.07 in the amount of $188.34. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25446988 Refinance Rate/Term Primary 7/XX/2013 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916352 Missing Document: Missing Final 1003             Provide missing documentation
25704090 Purchase Primary 12/XX/2013 SD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916354 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25704090 Purchase Primary 12/XX/2013 SD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916355 RESPA - Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
25070398 Purchase Primary 1/XX/1999 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916337 Missing Document: Missing Final 1003             Provide missing documentation
25070398 Purchase Primary 1/XX/1999 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916338 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1998.           Provide missing documentation
25070398 Purchase Primary 1/XX/1999 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916339 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25070398 Purchase Primary 1/XX/1999 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916340 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $294,009.69 is underdisclosed from calculated Finance Charge of $294,821.11 in the amount of $811.42. Unable to determine under disclosure due to missing TIL Itemization only reflecting a lump sum of prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25289350 Purchase Primary 1/XX/2002 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916356 Missing Document: Missing Final 1003             Provide missing documentation
25289350 Purchase Primary 1/XX/2002 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916357 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001.           Provide missing documentation
25289350 Purchase Primary 1/XX/2002 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916358 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25289350 Purchase Primary 1/XX/2002 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916360 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25180083 Purchase Primary 8/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916361 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25180083 Purchase Primary 8/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916362 Missing Document: Missing Final 1003             Provide missing documentation
25180083 Purchase Primary 8/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916363 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001.           Provide missing documentation
25180083 Purchase Primary 8/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916364 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25882248 Purchase Primary 6/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916365 Missing Document: Missing Final 1003             Provide missing documentation
25882248 Purchase Primary 6/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916366 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25882248 Purchase Primary 6/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916367 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002.           Provide missing documentation
25882248 Purchase Primary 6/XX/2002 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916368 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $197,329.92 is underdisclosed from calculated Finance Charge of $198,879.26 in the amount of $1,549.34. Lenders Final TIL represents 131 monthly payments of MI. Whereas audited finance charge reflects 145 monthly payments of MI and a fall-off after approximately 78% LTV.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25444620 Purchase Primary 1/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916370 Missing Document: Missing Final 1003             Provide missing documentation
25444620 Purchase Primary 1/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916371 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.           Provide missing documentation
25093080 Purchase Primary 1/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916372 Missing Document: Missing Final 1003             Provide missing documentation
25093080 Purchase Primary 1/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916374 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002.           Provide missing documentation
25093080 Purchase Primary 1/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916375 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.20200% is underdisclosed from calculated APR of 6.62421% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25093080 Purchase Primary 1/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916376 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $197,139.70 is underdisclosed from calculated Finance Charge of $207,406.70 in the amount of $10,267.00. Final Truth in Lending statement does not account for monthly mortgage insurance premium in payment stream, which is documented in file with cert.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25948582 Purchase Primary 2/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916373 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $221,772.43 is underdisclosed from calculated Finance Charge of $222,042.37 in the amount of $269.94. TIL itemization did not disclose an underwriting fee of $250 or flood cert fee of $13.50 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25923679 Refinance Rate/Term Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916377 Missing Document: Appraisal not provided             Provide missing documentation
25923679 Refinance Rate/Term Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916378 Missing Document: Missing Final 1003             Provide missing documentation
25923679 Refinance Rate/Term Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916379 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25923679 Refinance Rate/Term Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916380 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25256302 Refinance Cash-out - Other Primary 1/XX/1999 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916382 Missing Document: Missing Final 1003             Provide missing documentation
25256302 Refinance Cash-out - Other Primary 1/XX/1999 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916383 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25256302 Refinance Cash-out - Other Primary 1/XX/1999 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916384 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25403975 Purchase Primary 10/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916385 Missing Document: Missing Final 1003             Provide missing documentation
25403975 Purchase Primary 10/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916386 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
25088267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916387 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $371,471.32 is underdisclosed from calculated Finance Charge of $371,585.12 in the amount of $113.80. TIL itemization reflects a lump sum for prepaid finance charges in an amount of $5605.41, however Hud reflects prepaid finance charges in an amount of $5719.20.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25088267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916388 Missing Document: Missing Final 1003             Provide missing documentation
25088267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916389 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25088267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916390 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25938791 Refinance Rate/Term Primary 1/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916391 (Doc Error) Initial GFE not provided              
25938791 Refinance Rate/Term Primary 1/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916392 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25330725 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916393 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25330725 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916394 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%.          
25330725 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916395 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $351,170.62 is underdisclosed from calculated Finance Charge of $351,540.49 in the amount of $369.87. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25802909 Purchase Primary 6/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916396 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25861866 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916397 Missing Document: Credit Report not provided             Provide missing documentation
25861866 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916398 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25861866 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916399 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25608788 Refinance Cash-out - Other Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916400 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25608788 Refinance Cash-out - Other Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916401 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25608788 Refinance Cash-out - Other Primary 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916402 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916403 Missing Document: Missing Final 1003             Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916404 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916406 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916410 (Doc Error) Initial GFE not provided              
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916411 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916414 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916417 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916424 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916428 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916430 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916433 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 FHA MIP Document Error Compliance Open   3 13916434 Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.             Provide missing documentation
25350848 UTD UTD Primary 10/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916435 Missing Document: Appraisal not provided             Provide missing documentation
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916405 Missing Document: Missing Final 1003             Provide missing documentation
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916407 Missing Document: Appraisal not provided             Provide missing documentation
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916408 (Doc Error) Initial GFE not provided              
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916409 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916412 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916413 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916415 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916416 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916419 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25739110 UTD UTD Primary 12/XX/2006 KY $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916421 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916418 Missing Document: Missing Final 1003             Provide missing documentation
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916420 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916422 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916423 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916425 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916426 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916427 (Doc Error) Initial GFE not provided              
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916429 Missing Document: Credit Report not provided             Provide missing documentation
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916431 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25896102 UTD UTD Second Home 5/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916432 Missing Document: Appraisal not provided             Provide missing documentation
25678419 Purchase Primary 2/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916436 Missing Document: Missing Final 1003             Provide missing documentation
25678419 Purchase Primary 2/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916437 Missing Document: Appraisal not provided             Provide missing documentation
25678419 Purchase Primary 2/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916438 (Doc Error) Initial GFE not provided              
25678419 Purchase Primary 2/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916439 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25678419 Purchase Primary 2/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916440 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25678419 Purchase Primary 2/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916441 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25678419 Purchase Primary 2/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916442 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25678419 Purchase Primary 2/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916443 Missing Document: Credit Report not provided             Provide missing documentation
25870799 Refinance Rate/Term Second Home 8/XX/2009 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916444 Missing Document: Missing Final 1003             Provide missing documentation
25870799 Refinance Rate/Term Second Home 8/XX/2009 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916445 (Doc Error) Initial GFE not provided              
25870799 Refinance Rate/Term Second Home 8/XX/2009 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13916446 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25870799 Refinance Rate/Term Second Home 8/XX/2009 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916447 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25870799 Refinance Rate/Term Second Home 8/XX/2009 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916448 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
25870799 Refinance Rate/Term Second Home 8/XX/2009 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916449 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25870799 Refinance Rate/Term Second Home 8/XX/2009 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916450 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2009. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25870799 Refinance Rate/Term Second Home 8/XX/2009 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916451 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916452 Missing Document: Missing Final 1003             Provide missing documentation
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916453 Missing Document: Appraisal not provided             Provide missing documentation
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916454 (Doc Error) Initial GFE not provided              
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916455 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916456 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916457 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916458 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916459 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916460 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25274225 Purchase Primary 5/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916461 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916462 Missing Document: Missing Final 1003             Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916463 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916464 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916465 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916466 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916467 (Doc Error) Initial GFE not provided              
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 FHA MIP Document Error Compliance Open   3 13916468 Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.             Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916469 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916470 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916471 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916472 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2009. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916473 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916474 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916475 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916476 Missing Document: Credit Report not provided             Provide missing documentation
25935841 UTD UTD UTD 7/XX/2009 UT $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916477 Missing Document: Appraisal not provided             Provide missing documentation
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916478 Missing Document: Missing Final 1003             Provide missing documentation
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916479 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916480 (Doc Error) Initial GFE not provided              
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13916481 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916482 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916483 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916484 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916485 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916489 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916492 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25859355 UTD UTD Primary 7/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916494 Missing Document: Appraisal not provided             Provide missing documentation
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916486 Missing Document: Missing Final 1003             Provide missing documentation
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916487 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916488 (Doc Error) Initial GFE not provided              
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916490 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916491 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916493 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916495 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916496 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916497 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25777991 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916498 Missing Document: Appraisal not provided             Provide missing documentation
25397537 Refinance UTD Investment 2/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916510 Missing Document: Missing Final 1003             Provide missing documentation
25397537 Refinance UTD Investment 2/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916511 (Doc Error) Initial GFE not provided              
25397537 Refinance UTD Investment 2/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916512 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25397537 Refinance UTD Investment 2/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916513 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25397537 Refinance UTD Investment 2/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916514 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25397537 Refinance UTD Investment 2/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916515 Missing Document: Appraisal not provided             Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916499 Missing Document: Missing Final 1003             Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916500 (Doc Error) Initial GFE not provided              
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916501 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916502 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916503 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916504 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916505 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916506 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916507 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916508 Missing Document: Credit Report not provided             Provide missing documentation
25768635 UTD UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916509 Missing Document: Appraisal not provided             Provide missing documentation
25286493 Purchase Primary 9/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916518 Missing Document: Missing Final 1003             Provide missing documentation
25286493 Purchase Primary 9/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916522 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25286493 Purchase Primary 9/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916524 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25286493 Purchase Primary 9/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916528 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25286493 Purchase Primary 9/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916530 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25533824 Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916516 Missing Document: Missing Final 1003             Provide missing documentation
25533824 Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916517 (Doc Error) Initial GFE not provided              
25533824 Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916519 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25533824 Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916520 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25533824 Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916521 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25533824 Purchase Primary 6/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916523 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916531 Missing Document: Missing Final 1003             Provide missing documentation
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916532 (Doc Error) Initial GFE not provided              
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916533 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916534 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916535 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916536 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916537 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916538 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25108536 Refinance UTD Primary 12/XX/2005 SC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916539 Missing Document: Credit Report not provided             Provide missing documentation
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916540 Missing Document: Missing Final 1003             Provide missing documentation
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916541 (Doc Error) Initial GFE not provided              
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916542 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916543 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916544 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916545 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13916547 Massachusetts Borrower's Interest Tangible Net Benefit Test Massachusetts Home Loan: Unable to determine if mortgage loan was refinanced within 60 months without providing a tangible net benefit to the borrower due to missing prior loan information.            
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916548 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916550 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916551 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916552 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916553 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916554 Missing Document: Credit Report not provided             Provide missing documentation
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916555 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25461650 Refinance UTD Primary 2/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916556 Missing Document: Appraisal not provided             Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916565 Missing Document: Missing Final 1003             Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916566 (Doc Error) Initial GFE not provided              
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916568 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916571 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916573 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916574 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916576 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916578 Missing Document: Appraisal not provided             Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916579 Missing Document: Credit Report not provided             Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916581 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916583 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916585 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25040639 UTD UTD UTD 1/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916587 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25970546 Purchase Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916557 (Doc Error) Initial GFE not provided              
25970546 Purchase Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916558 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25970546 Purchase Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916559 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25970546 Purchase Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916560 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25970546 Purchase Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916561 Missing Document: Missing Final 1003             Provide missing documentation
25970546 Purchase Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916562 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25970546 Purchase Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916563 Missing Document: Credit Report not provided             Provide missing documentation
25970546 Purchase Primary 7/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916564 Missing Document: Appraisal not provided             Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916567 Missing Document: Missing Final 1003             Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916569 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916570 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916572 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916575 (Doc Error) Initial GFE not provided              
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916577 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916580 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916582 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916584 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916586 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916588 Missing Document: Credit Report not provided             Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916589 Missing Document: Appraisal not provided             Provide missing documentation
25210741 UTD UTD Primary 6/XX/2009 FL $XXX Loan Review Complete 08/15/2019 FHA MIP Document Error Compliance Open   3 13916590 Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.             Provide missing documentation
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916592 Missing Document: Missing Final 1003             Provide missing documentation
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916593 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916596 (Doc Error) Initial GFE not provided              
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916598 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916600 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916602 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916604 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916606 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916608 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916610 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25009667 UTD UTD Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916611 Missing Document: Appraisal not provided             Provide missing documentation
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916594 Missing Document: Missing Final 1003             Provide missing documentation
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916595 (Doc Error) Initial GFE not provided              
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916597 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916599 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916601 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916603 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916605 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916607 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916609 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25052980 UTD UTD Primary 12/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916612 Missing Document: Appraisal not provided             Provide missing documentation
25661510 Refinance Rate/Term Primary 5/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916613 Missing Document: Missing Final 1003             Provide missing documentation
25661510 Refinance Rate/Term Primary 5/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916614 (Doc Error) Initial GFE not provided              
25661510 Refinance Rate/Term Primary 5/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916615 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25661510 Refinance Rate/Term Primary 5/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916616 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25661510 Refinance Rate/Term Primary 5/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916617 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25661510 Refinance Rate/Term Primary 5/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916618 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25661510 Refinance Rate/Term Primary 5/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916619 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25833739 Purchase Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916620 Missing Document: Missing Final 1003             Provide missing documentation
25833739 Purchase Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916621 (Doc Error) Initial GFE not provided              
25833739 Purchase Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916622 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25833739 Purchase Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916623 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25833739 Purchase Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916624 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25833739 Purchase Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916625 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916627 Missing Document: Missing Final 1003             Provide missing documentation
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916628 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916629 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916630 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916631 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916632 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916633 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916634 (Doc Error) Initial GFE not provided              
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916635 Missing Document: Appraisal not provided             Provide missing documentation
25794720 UTD UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916636 Missing Document: Credit Report not provided             Provide missing documentation
25514418 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916642 Missing Document: Missing Final 1003             Provide missing documentation
25514418 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916643 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.            
25514418 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916645 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25514418 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 SC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Open   3 13916650 Privacy Notice is missing Disclosure: Privacy Notice           Provide missing documentation
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916637 Missing Document: Missing Final 1003             Provide missing documentation
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13916638 Title: Evidence of title is missing             Provide missing documentation
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916639 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916640 Missing Document: Appraisal not provided             Provide missing documentation
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916641 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using an application date of 8/XX/2002 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.            
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13916644 Missing Final HUD-1 Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916646 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916647 (Doc Error) Initial GFE not provided              
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916649 Initial TIL not provided              
25797791     9/XX/2002 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13916652 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25087478 Refinance Cash-out - Other Primary 1/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916656 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25976736 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916654 Initial Loan Application Status Test No evidence of application date located in file. Compliance tests were run using a 7 month lookback from the consummation date. Compliance tests were run using an application date of 03/XX/2003 which is 1 month(s) prior to consummation.          
25323530 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916661 Missing Document: Missing Final 1003             Provide missing documentation
25323530 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   3 13916663 Missing Document: Missing Lender's Initial 1003   Compliance testing was completed using up to a 6 month look back from the Note date.         Provide missing documentation
25323530 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916666 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25323530 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13916667 Title: Evidence of title is missing             Provide missing documentation
25323530 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13916668 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25205521 Refinance Rate/Term Primary 1/XX/2008 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916659 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25205521 Refinance Rate/Term Primary 1/XX/2008 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916660 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25205521 Refinance Rate/Term Primary 1/XX/2008 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916662 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25205521 Refinance Rate/Term Primary 1/XX/2008 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916664 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.83300% is underdisclosed from calculated APR of 6.16857% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25205521 Refinance Rate/Term Primary 1/XX/2008 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916665 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $637,047.13 is underdisclosed from calculated Finance Charge of $637,346.52 in the amount of $299.39.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25923936 Refinance Cash-out - Other Primary 4/XX/2004 NM $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916669 Missing Document: Missing Final 1003             Provide missing documentation
25290668 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916676 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25290668 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916677 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25290668 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916678 (Doc Error) TIL Error: Borrower signature not dated.              
25290668 Purchase Primary 7/XX/2007 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916679 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25565939 Refinance Rate/Term Primary 4/XX/2002 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916672 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25565939 Refinance Rate/Term Primary 4/XX/2002 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916673 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25565939 Refinance Rate/Term Primary 4/XX/2002 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916674 (Doc Error) Initial GFE not provided              
25772043 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916680 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25772043 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916681 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25772043 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916682 Missing Document: Missing Final 1003             Provide missing documentation
25772043 Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916684 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916685 Missing Document: Missing Final 1003             Provide missing documentation
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916686 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916687 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916688 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916689 Missing Document: Appraisal not provided             Provide missing documentation
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916690 (Doc Error) Initial GFE not provided              
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916691 Initial TIL not provided              
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916692 Missing Document: Credit Report not provided             Provide missing documentation
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916693 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001.           Provide missing documentation
25245342 Refinance Cash-out - Other Primary 6/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916694 Miscellaneous Compliance: Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date.              
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916695 Missing Document: Missing Final 1003             Provide missing documentation
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916696 Missing Document: Appraisal not provided             Provide missing documentation
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916697 (Doc Error) Initial GFE not provided              
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/08/2017 1 13916698 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Received Final HUD-1, exception cleared. Provide missing documentation
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/08/2017 1 13916699 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-08-15): Received Final HUD-1, exception cleared. Provide missing documentation
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/08/2017 1 13916700 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019-08-15): Received ROR, exception cleared. Provide missing documentation
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/08/2017 1 13916701 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Received Final TIL, exception cleared. Provide missing documentation
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916702 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916703 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2000.           Provide missing documentation
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916704 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2001, prior to three (3) business days from transaction date of 02/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916705 (Doc Error) TIL Error: Borrower signature not dated.              
25563194 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916706 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13916745 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Cleared 12/18/2018 1 13916748 Missing Document: Credit Report not provided           (2019-08-15): Credit report provided. Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Cleared 12/19/2018 1 13916752 Missing Document: AUS not provided           (2019-08-15): AUS provided. Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13916756 Missing Document: Approval not provided           (2019-08-15): The file does not contain the lender's approval - condition remains. Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Loan File Credit Cleared 12/18/2018 1 13916758 Missing Document: Hazard Insurance Policy not provided           (2019-08-15): Hazard policy provided. Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13916759 Missing Document: General Services Administration (GSA) not provided             Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13916760 Missing Document: Limited Denials of Participation (LDP) not provided             Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13916761 Missing Document: Tax Certificate not provided             Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13916762 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: 02/XX/2007 Disaster End Date: 06/XX/2011 Disaster Name: SEVERE STORMS, TORNADOES, AND ASSOCIATED FLOODING Disaster Declaration Date: 05/XX/2011            
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Insurance Insurance Eligibility Compliance Open   2 13916763 Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured              
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Open   3 13916764 AUS Findings: All conditions were not met   The loan was indicated to be a full doc loan as income was reviewed per MCAW and the income documentation in the file was not complete..          
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916765 (Doc Error) Initial GFE not provided              
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Cleared 12/18/2018 1 13916766 FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required. Borrower's total contribution is ().         (2019-08-15): Additional asset information provided.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Guideline Guideline Issue Credit Open   3 13916767 Case # Assignment does not indicate "All borrowers passed SSN validation".   Missing all case number assignments,          
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Cleared 01/30/2019 1 13916768 Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.         (2019-08-15): loan is uninsured, please clear. (2019-08-15): Loan is not insured - evidence provided. There will be no Mortgage Insurance Certificate. Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Cleared 01/30/2019 1 13916770 Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.   Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.     (2019-08-15): Loan is uninsured, proof of refund provided. Please update the loan. (2019-08-15): Loan is not insured - evidence provided.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916771 FHA MIP Error: Missing evidence of case number assignment date.   Missing document.         Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Income / Employment Income Documentation Credit Open   3 13916773 Income Docs Missing: Borrower: XXX VVOE - Employment Only, WVOE - Includes Income 4506 or 4506-T (2004), 4506 or 4506-T (2005), Paystubs, VVOE - Employment Only, WVOE - Includes Income           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Cleared 12/18/2018 1 13916775 Valuation Error: Appraiser's name not provided. Valuation Type: Appraisal / Valuation Report Date: The 1004 provided is missing the majority of the pages.       (2019-08-15): Appraisal provided.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Cleared 12/18/2018 1 13916776 Valuation Error: State appraiser was licensed in was not provided. Valuation Type: Appraisal / Valuation Report Date: The 1004 provided is incomplete.       (2019-08-15): Received full copy of the appraisal.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Cleared 12/18/2018 1 13916778 Valuation Error: Valuation report date was not provided. Valuation Type: Appraisal / Valuation Report Date:         (2019-08-15): Received full copy of the appraisal.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Open   3 13916780 Patriot Act Disclosure is missing Disclosure: Patriot Act Disclosure           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916782 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916783 FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing. Disclosure: FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) (Government Documents)           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916786 Important Notice to Homebuyer (92900-B) is missing. Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916787 FHA Informed Choice Disclosure is missing. Disclosure: FHA - Informed Choice Disclosure (Government Documents)           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916788 Initial HUD Addendum 92900-A is missing. Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13916789 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Cleared 12/19/2018 1 13916790 Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of 97.00000% exceeds Guideline loan to value percentage of 95.00000%.         (2019-08-15): No longer valid based on AUS provided.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 12/19/2018 1 13916791 Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of 101.17399% exceeds Guideline combined loan to value percentage of 95.00000%.         (2019-08-15): No longer valid as AUS was provided.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Credit Credit Calculation / Analysis Credit Cleared 12/19/2018 1 13916792 Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 510 is less than Guideline representative FICO score of 660.         (2019-08-15): No longer valid as AUS was provided.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Cleared 12/19/2018 1 13916793 No evidence of fraud report in file Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX         (2019-08-15): AUS provided - agency uw loan - no longer required.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Insurance Insurance Analysis Credit Cleared 12/18/2018 1 13916794 Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.           (2019-08-15): Received copy of the hazard policy.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Credit AUS Discrepancy / Guidelines Discrepancy Credit Cleared 12/19/2018 1 13916795 Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of exceeds Guideline total debt ratio of 50.00000%. Missing all income verification.       (2019-08-15): No longer valid as AUS was provided.  
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916796 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916797 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916798 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916799 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Open   3 13916800 Valuation Error: Comparable(s) photos are missing or not legible. Valuation Type: Appraisal / Valuation Report Date: 03/XX/2007 The photos provided are not legible.         Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Open   3 13916802 Valuation Error: Subject photos are missing or not legible. Valuation Type: Appraisal / Valuation Report Date: 03/XX/2007 The subject photos are not legible.         Provide missing documentation
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 13916804 AUS Findings: Combined loan to value discrepancy. Calculated combined loan to value percentage of 101.17399% exceeds AUS combined loan to value percentage of 97.00000%. The AUS was not run reflecting the secondary financing on the subject.          
25873201 Purchase Primary 3/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Borrower and Mortgage Eligibility Mortgage / Program Eligibility Credit Open   3 13916805 AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 36.09114% exceeds AUS total debt ratio of 31.54000%. The income calculated for the co-borrower was less than what was used on the AUS resulting in a review DTI of 36.09 which is higher than the AUS approval.          
25621018 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916727 Missing Document: Missing Final 1003             Provide missing documentation
25621018 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916728 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25621018 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916729 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25621018 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916730 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25621018 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916732 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2007           Provide missing documentation
25987438 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916733 Missing Document: Missing Final 1003             Provide missing documentation
25987438 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916734 Miscellaneous Compliance: Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date.              
25987438 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916735 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25987438 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916736 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25987438 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13916737 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25987438 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916738 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25667505 Refinance Cash-out - Other Primary 3/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916769 (Doc Error) Initial GFE not provided              
25667505 Refinance Cash-out - Other Primary 3/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916772 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25667505 Refinance Cash-out - Other Primary 3/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916774 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25667505 Refinance Cash-out - Other Primary 3/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916777 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25667505 Refinance Cash-out - Other Primary 3/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13916779 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.           Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25667505 Refinance Cash-out - Other Primary 3/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13916781 (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25667505 Refinance Cash-out - Other Primary 3/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13916784 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
25667505 Refinance Cash-out - Other Primary 3/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13916785 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916739 Missing Document: Missing Final 1003             Provide missing documentation
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13916740 Missing Document: Security Instrument not provided             Provide missing documentation
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13916741 Title: Evidence of title is missing             Provide missing documentation
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916742 (Doc Error) Initial GFE not provided              
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916743 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916744 Missing Document: Appraisal not provided             Provide missing documentation
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916746 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916747 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916751 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916755 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25862534 Refinance Cash-out - Other Primary 11/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916757 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25540032 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916749 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25540032 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916753 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25540032 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916754 Missing Document: Credit Report not provided             Provide missing documentation
25620171 Refinance Rate/Term Primary 9/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916801 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2004, prior to three (3) business days from transaction date of 09/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25620171 Refinance Rate/Term Primary 9/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916806 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25620171 Refinance Rate/Term Primary 9/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916808 Missing Document: Missing Final 1003             Provide missing documentation
25620171 Refinance Rate/Term Primary 9/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916810 Missing Document: Credit Report not provided             Provide missing documentation
25615905 Refinance Cash-out - Other Primary 1/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916803 Missing Document: Missing Final 1003             Provide missing documentation
25615905 Refinance Cash-out - Other Primary 1/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916807 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
25615905 Refinance Cash-out - Other Primary 1/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916809 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25615905 Refinance Cash-out - Other Primary 1/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916811 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25574335 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916812 Note Error: Note late charge percentage exceeds maximum per state   Late charge not allowed per the state of NY-max late charge for NY is 2%-note states 5%.          
25574335 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916813 Missing Document: Credit Report not provided             Provide missing documentation
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916814 Missing Document: Missing Final 1003             Provide missing documentation
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916815 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916816 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916817 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916818 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916819 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916820 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916821 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916822 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916823 Missing Document: Appraisal not provided             Provide missing documentation
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916824 (Doc Error) Initial GFE not provided              
25478094 Refinance UTD Primary 8/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916825 Missing Document: Credit Report not provided             Provide missing documentation
25699993 Purchase Primary 9/XX/2009 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916829 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25699993 Purchase Primary 9/XX/2009 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916831 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25990762 Purchase Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916826 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25990762 Purchase Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916827 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25990762 Purchase Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916828 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25990762 Purchase Primary 3/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916830 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25332224 Purchase Primary 3/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916832 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25332224 Purchase Primary 3/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916833 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25332224 Purchase Primary 3/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916834 (Doc Error) Initial GFE not provided              
25332224 Purchase Primary 3/XX/2005 MA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916835 Missing Document: Credit Report not provided             Provide missing documentation
25485590 Purchase Primary 12/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916836 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25485590 Purchase Primary 12/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916837 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25485590 Purchase Primary 12/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916838 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25485590 Purchase Primary 12/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916839 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $979,765.21 is underdisclosed from calculated Finance Charge of $981,068.99 in the amount of $1,303.78. TIL Itemization only disclosed origination charges in the amount of $10,721.10, however, final HUD reflects $5865.01         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25149168 Refinance Rate/Term Primary 8/XX/2004 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916840 Missing Document: Missing Final 1003             Provide missing documentation
25149168 Refinance Rate/Term Primary 8/XX/2004 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916841 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25149168 Refinance Rate/Term Primary 8/XX/2004 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916842 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
25149168 Refinance Rate/Term Primary 8/XX/2004 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916843 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25149168 Refinance Rate/Term Primary 8/XX/2004 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916844 (Doc Error) TIL Error: Borrower signature not dated.              
25449932 Purchase Primary 1/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916852 Missing Document: Missing Final 1003             Provide missing documentation
25449932 Purchase Primary 1/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916853 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25449932 Purchase Primary 1/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916854 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25449932 Purchase Primary 1/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916855 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25449932 Purchase Primary 1/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916862 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25449932 Purchase Primary 1/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916868 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.            
25579595 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916845 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25579595 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916846 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25579595 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916847 Missing Document: Missing Final 1003             Provide missing documentation
25579595 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916848 (Doc Error) TIL Error: Borrower signature not dated.              
25579595 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Credit Open   2 13916849 Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type. Valuation Type: Appraisal / Valuation Report Date: 09/XX/2004 2 Family            
25579595 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916850 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25579595 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916851 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25207607 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916857 Missing Document: Missing Final 1003             Provide missing documentation
25207607 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916859 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25207607 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13916861 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25207607 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916864 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25207607 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916866 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25207607 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916869 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25207607 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916872 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25207607 Refinance Cash-out - Other Primary 8/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916874 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916856 Missing Document: Missing Final 1003             Provide missing documentation
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916858 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916860 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916863 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916865 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916867 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916870 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 08/XX/2005           Provide missing documentation
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13916871 Security Instrument is not signed by borrower(s).              
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916875 (Doc Error) TIL Error: Borrower signature not dated.              
25252418 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OK $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916877 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25262274 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916873 Missing Document: Missing Final 1003             Provide missing documentation
25262274 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916876 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25262274 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916878 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.           Provide missing documentation
25648581 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916886 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25648581 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916887 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25648581 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916888 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25648581 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916890 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25648581 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916891 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25648581 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916893 (Doc Error) TIL Error: Borrower signature not dated.              
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916879 Missing Document: Missing Final 1003             Provide missing documentation
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916880 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916881 Missing Document: Appraisal not provided             Provide missing documentation
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916882 (Doc Error) Initial GFE not provided              
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916883 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916884 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916885 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916889 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25538637 UTD UTD Primary 9/XX/2000 NC $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916892 Missing Document: Credit Report not provided             Provide missing documentation
25130121 Purchase Primary 9/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916894 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $140,073.67 is underdisclosed from calculated Finance Charge of $140,173.89 in the amount of $100.22. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25130121 Purchase Primary 9/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916895 (Doc Error) Initial GFE not provided              
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916896 Missing Document: Missing Final 1003             Provide missing documentation
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916897 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916898 Missing Document: Appraisal not provided             Provide missing documentation
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13916899 (Doc Error) Initial GFE not provided              
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916900 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916901 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916902 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916903 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916904 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25840675 Refinance UTD Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916905 Missing Document: Credit Report not provided             Provide missing documentation
25200397 Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916906 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25200397 Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916907 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25200397 Purchase Primary 6/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916908 Missing Document: Missing Final 1003             Provide missing documentation
25292038 Purchase Primary 12/XX/2005 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916917 Missing Document: Missing Final 1003             Provide missing documentation
25292038 Purchase Primary 12/XX/2005 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916918 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25014945 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916909 Missing Document: Missing Final 1003             Provide missing documentation
25014945 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13916910 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25014945 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916912 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25014945 Refinance Cash-out - Other Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916914 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25325708 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916911 Missing Document: Missing Final 1003             Provide missing documentation
25325708 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13916913 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25325708 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916915 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25325708 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916916 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25923900 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916919 Missing Document: Missing Final 1003             Provide missing documentation
25923900 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916920 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25923900 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916921 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2001.           Provide missing documentation
25923900 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916922 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2001, prior to three (3) business days from transaction date of 11/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25252531 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916923 Missing Document: Missing Final 1003             Provide missing documentation
25252531 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916924 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25252531 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916925 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2003, prior to three (3) business days from transaction date of 02/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25252531 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 LA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13916926 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25252531 Refinance Cash-out - Debt Consolidation Primary 2/XX/2003 LA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916927 Missing Document: Appraisal not provided             Provide missing documentation
25195751 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916928 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25195751 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916929 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25869374 Refinance Cash-out - Other Primary 1/XX/2007 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916931 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
25869374 Refinance Cash-out - Other Primary 1/XX/2007 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916932 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25869374 Refinance Cash-out - Other Primary 1/XX/2007 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916933 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25869374 Refinance Cash-out - Other Primary 1/XX/2007 UT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916934 Missing Document: Missing Final 1003             Provide missing documentation
25869374 Refinance Cash-out - Other Primary 1/XX/2007 UT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13916935 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25869374 Refinance Cash-out - Other Primary 1/XX/2007 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916936 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25401446 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916948 Missing Document: Missing Final 1003             Provide missing documentation
25401446 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916949 Missing Document: Credit Report not provided             Provide missing documentation
25401446 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916950 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25401446 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916951 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25401446 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916952 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25401446 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916953 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25401446 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916954 Note Error: Note grace period days less than minimum per state   Late charge not allowed per state (TN) Minimum 10 days grace period, note states 5 days          
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916937 Missing Document: Missing Final 1003             Provide missing documentation
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13916938 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916939 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 06/XX/1993            
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916940 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916941 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916942 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1993 used as disbursement date for compliance testing.           Provide missing documentation
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916943 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916944 Maryland Late Charge Grace Period Testing Note grace period less than minimum per state. Minimum grace period in the state of MD is 15 days-note states 10 days.          
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916945 Missing Document: Credit Report not provided             Provide missing documentation
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916946 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/1992.           Provide missing documentation
25407406 Refinance Cash-out - Debt Consolidation Primary 6/XX/1993 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916947 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/1993, prior to three (3) business days from transaction date of 06/XX/1993.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25302669 Purchase Primary 12/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916964 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25302669 Purchase Primary 12/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916965 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25807646 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916976 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2000.           Provide missing documentation
25807646 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916977 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25807646 Refinance Cash-out - Debt Consolidation Primary 7/XX/2000 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916978 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $122,700.80 is underdisclosed from calculated Finance Charge of $122,839.23 in the amount of $138.43. Unable to determine cause of under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25592022 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916956 Missing Document: Missing Final 1003             Provide missing documentation
25592022 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 KS $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916957 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP expired. Per KS, no PPP is allowed after 6 months of execution of Note. Note states 6.62050%/6.62050%/6.62050%/6.62050%/6.62050%/. Lender is XXX.          
25592022 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916958 (Doc Error) TIL Error: Borrower signature not dated.              
25592022 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13916959 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25592022 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13916960 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25592022 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916961 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25592022 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916962 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25592022 Refinance Cash-out - Debt Consolidation Primary 2/XX/2001 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916963 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2000.           Provide missing documentation
25737939 Refinance Cash-out - Other Primary 7/XX/2008 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916974 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25737939 Refinance Cash-out - Other Primary 7/XX/2008 GA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916975 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2008           Provide missing documentation
25986523 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916966 Missing Document: Missing Final 1003             Provide missing documentation
25986523 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916967 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25986523 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916968 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25986523 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916969 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25986523 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13916970 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25986523 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916971 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 01/XX/2006           Provide missing documentation
25986523 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916972 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25986523 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916973 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25492853 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13916979 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25492853 Refinance Cash-out - Debt Consolidation Primary 11/XX/2001 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916980 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001.           Provide missing documentation
25171799 Refinance Rate/Term Primary 8/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916981 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25171799 Refinance Rate/Term Primary 8/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916982 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 08/XX/2004           Provide missing documentation
25860725 Refinance Cash-out - Other Primary 9/XX/1990 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916983 Missing Document: Missing Final 1003             Provide missing documentation
25860725 Refinance Cash-out - Other Primary 9/XX/1990 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916984 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25860725 Refinance Cash-out - Other Primary 9/XX/1990 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916985 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25860725 Refinance Cash-out - Other Primary 9/XX/1990 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916986 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1990 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/1990.           Provide missing documentation
25860725 Refinance Cash-out - Other Primary 9/XX/1990 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13916987 Maryland Late Charge Grace Period Testing Note grace period less than minimum per state.            
25860725 Refinance Cash-out - Other Primary 9/XX/1990 MD $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13916988 Missing Document: Credit Report not provided             Provide missing documentation
25896160 Refinance Rate/Term Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916989 Missing Document: Missing Final 1003             Provide missing documentation
25896160 Refinance Rate/Term Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916990 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25896160 Refinance Rate/Term Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916991 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25896160 Refinance Rate/Term Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916992 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25896160 Refinance Rate/Term Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13916993 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25847707 Refinance Rate/Term Primary 12/XX/1994 ID $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916995 Missing Document: Missing Final 1003             Provide missing documentation
25847707 Refinance Rate/Term Primary 12/XX/1994 ID $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13916996 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 11/XX/1994            
25847707 Refinance Rate/Term Primary 12/XX/1994 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916997 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25847707 Refinance Rate/Term Primary 12/XX/1994 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916998 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25847707 Refinance Rate/Term Primary 12/XX/1994 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13916999 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/1994.           Provide missing documentation
25847707 Refinance Rate/Term Primary 12/XX/1994 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917000 TILA Rescission - Waiver of 3-day Waiting Period In File Truth in Lending Act: Waiver of three (3) business day waiting period for Rescission due to Bonafide Financial Emergency.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25847707 Refinance Rate/Term Primary 12/XX/1994 ID $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917001 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917002 Missing Document: Missing Final 1003             Provide missing documentation
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917004 Missing Document: Appraisal not provided             Provide missing documentation
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917005 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917006 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917007 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917008 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917009 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917010 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917013 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917014 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917015 Missing Document: Credit Report not provided             Provide missing documentation
25399267 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917016 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25501689 Refinance Rate/Term Primary 8/XX/2006 IA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917003 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25724012 Refinance Cash-out - Other Primary 12/XX/2002 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Cleared 04/06/2018 1 13917012 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: Appraisal not provided       (2019-08-15): Cleared after subsequent review. Provide missing documentation
25332531 Purchase Primary 6/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917011 Missing Document: Missing Final 1003             Provide missing documentation
25332531 Purchase Primary 6/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917017 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25008319 Refinance Cash-out - Other Primary 9/XX/1998 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917018 Missing Document: Missing Final 1003             Provide missing documentation
25008319 Refinance Cash-out - Other Primary 9/XX/1998 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917019 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25008319 Refinance Cash-out - Other Primary 9/XX/1998 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917020 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25008319 Refinance Cash-out - Other Primary 9/XX/1998 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917021 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25008319 Refinance Cash-out - Other Primary 9/XX/1998 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917022 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25008319 Refinance Cash-out - Other Primary 9/XX/1998 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917023 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $223,232.52 is underdisclosed from calculated Finance Charge of $232,911.53 in the amount of $9,679.01. Index used was not found and lowest index available in the lookback period is 5.10%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25008319 Refinance Cash-out - Other Primary 9/XX/1998 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917024 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 07/XX/1998            
25656860 Purchase Primary 11/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917030 (Doc Error) Initial GFE not provided              
25656860 Purchase Primary 11/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917033 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25656860 Purchase Primary 11/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917035 Missing Document: Credit Report not provided             Provide missing documentation
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917025 Missing Document: Missing Final 1003             Provide missing documentation
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917026 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917027 Missing Document: Appraisal not provided             Provide missing documentation
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917028 (Doc Error) Initial GFE not provided              
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917029 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917031 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917032 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917034 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917036 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25246931 Refinance Cash-out - Other Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917037 Missing Document: Credit Report not provided             Provide missing documentation
25561489 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917038 (Doc Error) TIL Error: Borrower signature not dated.              
25561489 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917039 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25561489 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917040 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25561489 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917041 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25561489 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917042 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25561489 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917043 Missing Document: Missing Final 1003             Provide missing documentation
25561489 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917044 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917058 Missing Document: Missing Final 1003             Provide missing documentation
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917059 (Doc Error) TIL Error: Borrower signature not dated.              
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917060 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917061 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917062 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917063 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917064 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917065 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2005, prior to three (3) business days from transaction date of 05/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25787167 Refinance Cash-out - Other Primary 5/XX/2005 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917066 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25572687 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917051 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
25572687 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917053 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25572687 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917055 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25572687 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917056 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $278,138.67 is underdisclosed from calculated Finance Charge of $281,131.08 in the amount of $2,992.41. Payment stream on the Final indicates the originator utilized a LIBOR index value lower than the lowest index available within the lookback period; 4.23060%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25572687 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917057 Missing Document: Missing Final 1003             Provide missing documentation
25095521 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917045 Missing Document: Missing Final 1003             Provide missing documentation
25095521 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917046 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25095521 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917047 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25095521 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917048 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25095521 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917049 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25095521 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917050 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25095521 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917052 (Doc Error) TIL Error: Borrower signature not dated.              
25095521 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917054 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25217530 Refinance Cash-out - Other Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917067 Missing Document: Missing Final 1003             Provide missing documentation
25217530 Refinance Cash-out - Other Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917068 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
25217530 Refinance Cash-out - Other Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917069 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25217530 Refinance Cash-out - Other Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917070 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25217530 Refinance Cash-out - Other Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917071 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25217530 Refinance Cash-out - Other Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917072 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $752,992.14 is underdisclosed from calculated Finance Charge of $753,049.40 in the amount of $57.26. TIL itemization did not disclose the $125 pick up fee as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25311532 Refinance Rate/Term Primary 6/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917073 Missing Document: Missing Final 1003             Provide missing documentation
25311532 Refinance Rate/Term Primary 6/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917074 (Doc Error) Initial GFE not provided              
25311532 Refinance Rate/Term Primary 6/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917075 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
25311532 Refinance Rate/Term Primary 6/XX/2008 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917076 (TX50(a)(6)) Texas Cash-out Loan (Completed Loan Application Not Provided At Least 1 Business Day Prior to Closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25680707 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917085 Missing Document: Missing Final 1003             Provide missing documentation
25680707 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917087 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25680707 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917089 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2002.           Provide missing documentation
25680707 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917090 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge of 10% exceeds (NC) State maximum of 4%.          
25680707 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917092 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25458591 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917093 Missing Document: Missing Final 1003             Provide missing documentation
25458591 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917094 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25458591 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917095 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
25458591 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917096 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25683873 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917097 (Doc Error) Initial GFE not provided              
25683873 Refinance Cash-out - Debt Consolidation Primary 4/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917098 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
25628788 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917105 Missing Document: Missing Final 1003             Provide missing documentation
25628788 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917106 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25628788 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917107 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25628788 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917108 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25628788 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917109 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25628788 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917110 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25628788 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917111 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 07/XX/2006           Provide missing documentation
25148369 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917112 Missing Document: Missing Final 1003             Provide missing documentation
25148369 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917113 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25148369 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917115 Missing Document: Credit Report not provided             Provide missing documentation
25148369 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917117 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25148369 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917119 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25999457 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917114 Missing Document: Missing Final 1003             Provide missing documentation
25999457 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917116 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25999457 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917118 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
25009172 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917120 (Doc Error) TIL Error: Borrower signature not dated.              
25009172 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917121 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25009172 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917122 Missing Document: Missing Final 1003             Provide missing documentation
25009172 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917123 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 09/XX/2003            
25009172 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917124 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25009172 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917125 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25009172 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917126 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25009172 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917127 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.           Provide missing documentation
25499857 Refinance Cash-out - Debt Consolidation Primary 10/XX/1998 WA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917128 Missing Document: Credit Report not provided             Provide missing documentation
25499857 Refinance Cash-out - Debt Consolidation Primary 10/XX/1998 WA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917129 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 10/XX/1998           Provide missing documentation
25499857 Refinance Cash-out - Debt Consolidation Primary 10/XX/1998 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917130 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/1998.           Provide missing documentation
25499857 Refinance Cash-out - Debt Consolidation Primary 10/XX/1998 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917131 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25613944 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917132 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25613944 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917133 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25613944 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917134 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25613944 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917135 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25613944 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917136 Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.            
25244092 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917152 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25244092 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917153 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25244092 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917154 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.            
25244092 Refinance Cash-out - Other Primary 12/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917155 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.            
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917137 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917138 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917139 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917140 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917141 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917142 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917143 Incorrect Right To Cancel Form Used - H-8 or H-9 used on a HELOC Transaction Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for an open-end transaction.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917144 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917145 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. RTC is blank does not have a signature date.         Provide missing documentation
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917146 Missing Document: Missing Final 1003             Provide missing documentation
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917147 Missing Document: Appraisal not provided             Provide missing documentation
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Missing Document General Compliance Open   2 13917148 Incomplete Document: Right to Cancel (RTC) is incomplete   There is no signature or date from the borrower.          
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917149 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917150 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25431686 Refinance UTD Primary 9/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917151 TILA HELOC - Non-Refundable Fee Imposed Within 3 Business Days of Disclosure Truth in Lending Act (HELOC): Non-refundable fee imposed by lender within three (3) business days of borrower receiving HELOC disclosures and brochure.            
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917156 Missing Document: Missing Final 1003             Provide missing documentation
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917157 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917158 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 07/XX/2007           Provide missing documentation
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13917159 Title: Evidence of title is missing             Provide missing documentation
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917160 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917161 Incorrect Right To Cancel Form Used - H-8 or H-9 used on a HELOC Transaction Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for an open-end transaction.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917162 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917163 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25888482 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917164 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917165 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917166 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917167 Missing Document: Missing Final 1003             Provide missing documentation
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917168 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917169 Missing Document: Appraisal not provided             Provide missing documentation
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917170 Missing Document: Credit Report not provided             Provide missing documentation
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917171 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917172 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917173 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917174 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25344911 Refinance Cash-out - Other Primary 10/XX/2006 ME $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917175 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917177 Missing Document: Missing Final 1003             Provide missing documentation
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917179 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2000.           Provide missing documentation
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917182 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917184 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917185 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917188 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917190 (Doc Error) Initial GFE not provided              
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917194 Missing Document: Credit Report not provided             Provide missing documentation
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917195 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25980451 Refinance Cash-out - Debt Consolidation Primary 8/XX/2000 TN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917197 Missing Document: Appraisal not provided             Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917178 Missing Document: Credit Report not provided             Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917180 Missing Document: Missing Final 1003             Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917181 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917183 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917186 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917187 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917191 (Doc Error) Initial GFE not provided              
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13917192 (Doc Error) HUD Error: Cash at settlement from or to borrower is blank.              
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13917193 (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I   The Promissory Note verified payment of $290.42         Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917196 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917198 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917199 Missing Document: Appraisal not provided             Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917200 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917201 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.           Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917202 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917203 (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917204 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917205 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917206 (TX50(a)(6)) AFMV value and appraisal value not provided Texas Constitution Section 50(a)(6): Unable to determine compliance with 80% CLTV limitation due to missing AFMV or value on AFMV and no appraisal or other evaluation in file to verify property value/LTV.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917207 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917208 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25624077 Refinance Cash-out - Other Primary 6/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917209 (TX50(a)(6)) and/or (TX50(t)) No Title in the loan file or Title indicates other lien(s) exist Texas Constitution Section 50(a)(6): Title, title search/report, or other documentation to verify additional liens against property not in file. Unable to conclusively determine compliance with 80% CLTV limitation.           Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead. If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%.
25573022 Purchase Primary 12/XX/2008 DC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917221 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25573022 Purchase Primary 12/XX/2008 DC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917222 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008.           Provide missing documentation
25573022 Purchase Primary 12/XX/2008 DC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917223 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25573022 Purchase Primary 12/XX/2008 DC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917224 Missing Document: Missing Final 1003             Provide missing documentation
25573022 Purchase Primary 12/XX/2008 DC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917225 (Doc Error) Initial GFE not provided              
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917210 Missing Document: Missing Final 1003             Provide missing documentation
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917211 Missing Document: Credit Report not provided             Provide missing documentation
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917212 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917213 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917214 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917215 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917216 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917217 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917218 Missing Document: Appraisal not provided             Provide missing documentation
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917219 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25145371 Purchase UTD 4/XX/2004 TX $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917220 (Doc Error) Initial GFE not provided              
25251443 Refinance Cash-out - Other Primary 9/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917226 Missing Document: Missing Final 1003             Provide missing documentation
25251443 Refinance Cash-out - Other Primary 9/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917227 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25251443 Refinance Cash-out - Other Primary 9/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917228 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25251443 Refinance Cash-out - Other Primary 9/XX/1992 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917229 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25279052 Purchase Primary 10/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917230 FHA - Real Estate Certification was provided at or after closing. Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: 10/XX/2007; Consummation Date: 10/XX/2007            
25279052 Purchase Primary 10/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917231 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25279052 Purchase Primary 10/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917232 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.            
25546589 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917233 (Doc Error) Initial GFE not provided              
25546589 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917234 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25546589 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917235 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25546589 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917236 Illinois Late Charge Percent Testing Note late charge exceeds maximum per state. Ilinois max is 5%, this loan @ 6%          
25546589 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917237 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25675732 Purchase Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917238 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25675732 Purchase Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917239 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25675732 Purchase Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917240 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)           Provide missing documentation
25675732 Purchase Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917241 (Doc Error) Initial GFE not provided              
25938799 Refinance Cash-out - Other Primary 2/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917242 Missing Document: Credit Report not provided             Provide missing documentation
25938799 Refinance Cash-out - Other Primary 2/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917243 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 12/XX/2003            
25040604 Purchase Primary 9/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917244 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25040604 Purchase Primary 9/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917245 (Doc Error) Initial GFE not provided              
25040604 Purchase Primary 9/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917246 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)           Provide missing documentation
25040604 Purchase Primary 9/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917247 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25040604 Purchase Primary 9/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917248 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25040604 Purchase Primary 9/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917249 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Unable to clear- HUD received Provide missing documentation
25040604 Purchase Primary 9/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917250 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25279764 Refinance Rate/Term Primary 1/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917251 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25279764 Refinance Rate/Term Primary 1/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917252 Missing Document: Credit Report not provided             Provide missing documentation
25435854 Purchase Primary 10/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13917255 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25797899 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917253 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25797899 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917254 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $313,578.62 is underdisclosed from calculated Finance Charge of $313,941.79 in the amount of $363.17. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25387361 Purchase Primary 7/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917256 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25387361 Purchase Primary 7/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917257 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25387361 Purchase Primary 7/XX/2007 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917258 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25249888 Purchase Primary 6/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917259 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25223642 Refinance Cash-out - Other Primary 10/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917260 (Doc Error) Initial GFE not provided              
25223642 Refinance Cash-out - Other Primary 10/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917261 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2009.           Provide missing documentation
25223642 Refinance Cash-out - Other Primary 10/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917262 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25223642 Refinance Cash-out - Other Primary 10/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917263 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25223642 Refinance Cash-out - Other Primary 10/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917264 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25223642 Refinance Cash-out - Other Primary 10/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917265 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25488254 Refinance Cash-out - Other Primary 11/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917266 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25665457 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917274 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25206693 Purchase Investment 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917275 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25206693 Purchase Investment 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917276 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25206693 Purchase Investment 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917277 Missing Document: Appraisal not provided             Provide missing documentation
25260265 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917278 Missing Document: Missing Final 1003             Provide missing documentation
25260265 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917279 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25878416 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917286 FACTA Disclosure Missing Unable to determine FACTA Credit Score Disclosure was provided due to missing information.           Provide missing documentation
25878416 Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917288 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25084609 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917281 Missing Document: Missing Final 1003             Provide missing documentation
25084609 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917282 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25084609 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917283 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25084609 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917284 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25084609 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917285 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25939950 Purchase Primary 9/XX/2009 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917287 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25862927 Refinance Rate/Term Primary 5/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917289 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 03/XX/2007           Provide missing documentation
25862927 Refinance Rate/Term Primary 5/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917290 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
25018960 Refinance Cash-out - Other Primary 2/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917291 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $252,654.66 is underdisclosed from calculated Finance Charge of $252,693.15 in the amount of $38.49. TIL itemization only disclosed settlement charges in the amount of $700 and final HUD reflects $795.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25483348 Purchase Primary 12/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917292 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25483348 Purchase Primary 12/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917293 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25483348 Purchase Primary 12/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917295 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25483348 Purchase Primary 12/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917300 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.            
25483348 Purchase Primary 12/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917301 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $83,937.62 is underdisclosed from calculated Finance Charge of $84,291.79 in the amount of $354.17. Unable to determine the under disclosure missing the itemization of fnanced         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25373070 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917296 Missing Document: Missing Final 1003             Provide missing documentation
25373070 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917299 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
25937898 Refinance Rate/Term Primary 1/XX/2009 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917302 Missing Document: Missing Final 1003             Provide missing documentation
25937898 Refinance Rate/Term Primary 1/XX/2009 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917303 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2008.           Provide missing documentation
25937898 Refinance Rate/Term Primary 1/XX/2009 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917304 Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.            
25529901 Refinance Streamlined Primary 3/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917294 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $75,098.03 is underdisclosed from calculated Finance Charge of $75,133.09 in the amount of $35.06. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25529901 Refinance Streamlined Primary 3/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917297 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
25529901 Refinance Streamlined Primary 3/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917298 Missing Document: Missing Final 1003             Provide missing documentation
25942119 Purchase Primary 8/XX/2002 MS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917305 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2002.           Provide missing documentation
25942119 Purchase Primary 8/XX/2002 MS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917306 Missing Document: Missing Final 1003             Provide missing documentation
25504496 Construction-Permanent Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917307 Cross Collateralized Mortgage Loan There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value. Loan is cross collateralized with 324 NW 18th Ter and 323 NW 18th Ter.          
25504496 Construction-Permanent Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917308 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25504496 Construction-Permanent Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917309 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25504496 Construction-Permanent Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917310 Missing Document: Missing Final 1003             Provide missing documentation
25504496 Construction-Permanent Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917311 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25504496 Construction-Permanent Primary 10/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917312 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917313 Missing Document: Missing Final 1003             Provide missing documentation
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917314 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917315 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001.           Provide missing documentation
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917316 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 08/07/2018 1 13917317 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): TIL received Provide missing documentation
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917319 (Doc Error) Initial GFE not provided              
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917320 Missing Document: Appraisal not provided             Provide missing documentation
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917321 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917322 (Doc Error) TIL Error: Borrower signature not dated.              
25222282 Refinance Cash-out - Debt Consolidation Primary 7/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917323 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25675455 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917324 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25148270 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917325 Missing Document: Missing Final 1003             Provide missing documentation
25148270 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917326 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25148270 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917327 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25148270 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917328 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25148270 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917329 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25494963 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917330 Missing Document: Missing Final 1003             Provide missing documentation
25494963 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917331 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25707561 Refinance Cash-out - Other Investment 1/XX/2008 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917332 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
25546144 Refinance Cash-out - Other Investment 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13917336 (Doc Error) HUD Error: Disbursement date is earlier than notary/security instrument date.   Mortgage Notary dated 08/XX/2007          
25546144 Refinance Cash-out - Other Investment 7/XX/2007 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917338 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25047495 Purchase Primary 1/XX/2005 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917341 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 12/XX/2004            
25032150 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917333 Missing Document: Missing Final 1003             Provide missing documentation
25032150 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917334 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25032150 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917335 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25032150 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917337 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.           Provide missing documentation
25032150 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917339 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25032150 Refinance Cash-out - Debt Consolidation Primary 10/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917340 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2008, prior to three (3) business days from transaction date of 10/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25506009 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917342 Missing Document: Missing Final 1003             Provide missing documentation
25506009 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917343 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 03/XX/2007           Provide missing documentation
25506009 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917344 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25506009 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917345 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25506009 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917346 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25506009 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917347 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25506009 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917348 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25506009 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917349 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25787725 Purchase Primary 6/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917350 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25787725 Purchase Primary 6/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917351 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25787725 Purchase Primary 6/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917352 FHA - Amendatory Clause was provided at or after closing. Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: 06/XX/2003; Consummation Date: 06/XX/2003            
25787725 Purchase Primary 6/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917353 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25343174 Refinance Rate/Term Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917354 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25343174 Refinance Rate/Term Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917355 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25343174 Refinance Rate/Term Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917356 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25343174 Refinance Rate/Term Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917357 Ohio Consumer Sales Practices Act (Closing Disclosure Not Signed at Closing) Ohio Consumer Sales Practices Act: Consumer did not sign the required Closing Disclosure on the date of closing            
25343174 Refinance Rate/Term Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917359 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment.            
25343174 Refinance Rate/Term Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917362 (Doc Error) Initial GFE not provided              
25704917 Purchase Primary 5/XX/2011 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917364 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25704917 Purchase Primary 5/XX/2011 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917365 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25017522 Purchase Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917358 (Doc Error) Initial GFE not provided              
25017522 Purchase Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917360 FHA - Real Estate Certification was provided at or after closing. Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: 08/XX/2005; Consummation Date: 08/XX/2005            
25017522 Purchase Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917361 FHA - Amendatory Clause was provided at or after closing. Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: 08/XX/2005; Consummation Date: 08/XX/2005            
25017522 Purchase Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917363 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $46,333.46 is underdisclosed from calculated Finance Charge of $46,536.01 in the amount of $202.55. Unable to determine cause of underdisclosure due to missing Itemization of Amount Financed         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25965968 Purchase Primary 5/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917366 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25965968 Purchase Primary 5/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917367 FHA - Amendatory Clause was provided at or after closing. Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: 05/XX/2008; Consummation Date: 05/XX/2008            
25414642 Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917369 (Doc Error) Initial GFE not provided              
25414642 Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917370 Missing Document: Missing Final 1003             Provide missing documentation
25414642 Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917371 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2009.           Provide missing documentation
25414642 Refinance Cash-out - Debt Consolidation Primary 5/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917372 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25688726 Purchase Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917368 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25437448 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917373 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25437448 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917375 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25158479 Refinance Cash-out - Other Primary 6/XX/2008 NM $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917376 Missing Document: Credit Report not provided             Provide missing documentation
25158479 Refinance Cash-out - Other Primary 6/XX/2008 NM $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917377 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25158479 Refinance Cash-out - Other Primary 6/XX/2008 NM $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917378 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
25158479 Refinance Cash-out - Other Primary 6/XX/2008 NM $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917379 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25158479 Refinance Cash-out - Other Primary 6/XX/2008 NM $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917380 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25513067 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917381 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25513067 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917382 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25513067 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917383 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25517871 Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917396 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25517871 Purchase Primary 2/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917397 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25437654 Purchase Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917395 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917384 Missing Document: Missing Final 1003             Provide missing documentation
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917385 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917386 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917387 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917388 New York Late Charge Percent Testing Note late charge exceeds maximum per state.            
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917389 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917390 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917391 Missing Document: Appraisal not provided             Provide missing documentation
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917392 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917393 Note Error: Note late charge percentage exceeds maximum per state   Late charge of 10% exceeds the 2% maximum for the state of NY.          
25405003 UTD UTD Primary 10/XX/2001 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917394 (Doc Error) Initial GFE not provided              
25036837 Purchase Primary 4/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917398 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
25036837 Purchase Primary 4/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917399 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917400 Missing Document: Missing Final 1003             Provide missing documentation
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917401 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917402 Missing Document: Appraisal not provided             Provide missing documentation
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917403 (Doc Error) Initial GFE not provided              
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917404 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917405 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917406 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917407 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25016338 UTD UTD Primary 5/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917408 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25910822 Refinance Cash-out - Other Primary 4/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917409 Missing Document: Missing Final 1003             Provide missing documentation
25910822 Refinance Cash-out - Other Primary 4/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917410 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25910822 Refinance Cash-out - Other Primary 4/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917411 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25910822 Refinance Cash-out - Other Primary 4/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917412 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25910822 Refinance Cash-out - Other Primary 4/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917413 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25910822 Refinance Cash-out - Other Primary 4/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917415 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25481496 Refinance Rate/Term Primary 10/XX/1997 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917414 Missing Document: Missing Final 1003             Provide missing documentation
25611813 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917417 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25611813 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917418 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (PA).          
25611813 Refinance Cash-out - Other Primary 3/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917419 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
25067160 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917420 Missing Document: Missing Final 1003             Provide missing documentation
25067160 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917421 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25067160 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917422 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25067160 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917423 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25067160 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917424 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25067160 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917425 (Doc Error) TIL Error: Borrower signature not dated.              
25067160 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917426 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25547583 Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917427 Missing Document: Missing Final 1003             Provide missing documentation
25547583 Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917428 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Holder's right to foreclose, Homestead Exemption Waiver            
25547583 Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917429 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25547583 Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917430 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25685831 Purchase Primary 11/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917434 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
25685831 Purchase Primary 11/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917435 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25514516 Refinance Rate/Term Investment 7/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917431 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25514516 Refinance Rate/Term Investment 7/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917432 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
25514516 Refinance Rate/Term Investment 7/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917433 (Doc Error) Initial GFE not provided              
25568862 Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917436 (Doc Error) TIL Error: Borrower signature not dated.              
25568862 Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917437 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25568862 Purchase Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917438 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $410,992.26 is underdisclosed from calculated Finance Charge of $411,310.24 in the amount of $317.98. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25684060 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917439 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25684060 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917440 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.            
25684060 Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917441 Missing Document: Missing Final 1003             Provide missing documentation
25079634 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917443 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25021851 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917444 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25883069 Refinance Cash-out - Other Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917445 Missing Document: Missing Final 1003             Provide missing documentation
25883069 Refinance Cash-out - Other Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917446 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25883069 Refinance Cash-out - Other Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917447 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25883069 Refinance Cash-out - Other Primary 10/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917448 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 10/XX/2006           Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917452 Missing Document: Missing Final 1003             Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917453 Missing Document: Appraisal not provided             Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13917454 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917455 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917456 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917457 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917458 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917459 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917460 (Doc Error) Initial GFE not provided              
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917461 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25666687 Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917462 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917463 Missing Document: Missing Final 1003             Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Cleared 09/24/2018 1 13917464 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.           (2019-08-15): Cleared with appraisal provided  
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Cleared 09/24/2018 1 13917465 Missing Document: Appraisal not provided           (2019-08-15): Cleared with Appraisal provided Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917466 (Doc Error) Initial GFE not provided              
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917467 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917468 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Cleared with HUD provided Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917469 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-08-15): Cleared with HUD provided (2019-08-15): If the application is missing from file, AMC's default approach is to perform compliance testing using a lookback from consummation date and report compliance findings based on the worst-case scenario from the lookback as there is no conclusive evidence of when creditor received application. Client to advise if it will accept alternative documents as basis for lender application receipt date Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917470 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019-08-15): Cleared with ROR provided Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917471 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Cleared with TIL provided Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917472 Missing Document: Credit Report not provided             Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917473 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. If the application is missing from file, AMC's default approach is to perform compliance testing using a lookback from consummation date and report compliance findings based on the worst-case scenario from the lookback as there is no conclusive evidence of when creditor received application. Client to advise if it will accept alternative documents as basis for lender application receipt date         Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917474 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917475 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917476 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25170298 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917477 (Doc Error) TIL Error: Borrower signature not dated.              
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917478 Missing Document: Missing Final 1003             Provide missing documentation
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917479 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917480 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917481 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917482 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917483 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917484 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917485 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917486 Missing Document: Appraisal not provided             Provide missing documentation
25725490 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MO $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917487 Missing Document: Credit Report not provided             Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917498 Missing Document: Missing Final 1003             Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Cleared 09/24/2018 1 13917499 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.           (2019-08-15): Cleared with Appraisal provided.  
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917500 (Doc Error) Initial GFE not provided              
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13917501 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Cleared 09/24/2018 1 13917502 Missing Document: Appraisal not provided           (2019-08-15): Cleared with Appraisal provided. Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917503 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917504 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Cleared with HUD provided Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917505 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-08-15): Cleared with HUD provided (2019-08-15): If the application is missing from file, AMC's default approach is to perform compliance testing using a lookback from consummation date and report compliance findings based on the worst-case scenario from the lookback as there is no conclusive evidence of when creditor received application. Client to advise if it will accept alternative documents as basis for lender application receipt date Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917506 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019-08-15): Cleared wit ROR provided Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917507 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Cleared wit TIL provided Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917508 Missing Document: Credit Report not provided             Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917509 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. f the application is missing from file, AMC's default approach is to perform compliance testing using a lookback from consummation date and report compliance findings based on the worst-case scenario from the lookback as there is no conclusive evidence of when creditor received application. Client to advise if it will accept alternative documents as basis for lender application receipt date         Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917510 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917511 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2003, prior to three (3) business days from transaction date of 04/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917512 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917513 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25637042 Refinance Cash-out - Debt Consolidation Primary 4/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917514 (Doc Error) TIL Error: Borrower signature not dated.              
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917515 Missing Document: Missing Final 1003             Provide missing documentation
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917516 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917517 Missing Document: Appraisal not provided             Provide missing documentation
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917518 (Doc Error) Initial GFE not provided              
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917519 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917520 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917521 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917522 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25451758 Refinance UTD Primary 5/XX/2002 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917523 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25976740 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917532 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25976740 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917533 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25976740 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917535 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25976740 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917536 Missing Document: Missing Final 1003             Provide missing documentation
25976740 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917537 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25976740 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917538 (Doc Error) TIL Error: Borrower signature not dated.              
25976740 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917539 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25076437 Refinance Cash-out - Other Primary 4/XX/2003 UT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917525 Missing Document: Missing Final 1003             Provide missing documentation
25076437 Refinance Cash-out - Other Primary 4/XX/2003 UT $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917526 (Doc Error) Initial GFE not provided              
25076437 Refinance Cash-out - Other Primary 4/XX/2003 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917527 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25076437 Refinance Cash-out - Other Primary 4/XX/2003 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917528 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25076437 Refinance Cash-out - Other Primary 4/XX/2003 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917529 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25076437 Refinance Cash-out - Other Primary 4/XX/2003 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917530 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25076437 Refinance Cash-out - Other Primary 4/XX/2003 UT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917531 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25946743 Refinance Rate/Term Primary 2/XX/2001 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917540 Missing Document: Missing Final 1003             Provide missing documentation
25946743 Refinance Rate/Term Primary 2/XX/2001 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917541 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2000.           Provide missing documentation
25946743 Refinance Rate/Term Primary 2/XX/2001 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917542 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (MI) - max prepayment charge for MI residential loan is 1% per 12 months for first 3 years, loan states 5%. Lender is XXX.          
25946743 Refinance Rate/Term Primary 2/XX/2001 MI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917543 (Doc Error) Initial GFE not provided              
25827523 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917548 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
25827523 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917549 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25199610 Purchase Primary 7/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917544 Missing Document: Missing Final 1003             Provide missing documentation
25199610 Purchase Primary 7/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917545 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25199610 Purchase Primary 7/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917546 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25199610 Purchase Primary 7/XX/2005 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917547 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25881546 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917551 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25881546 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917552 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25881546 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917553 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $289,705.91 is underdisclosed from calculated Finance Charge of $290,322.90 in the amount of $616.99. Index value as disclosed on the TIL is 3.9%. Closest in the look back period is 3.91%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25881546 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917554 Missing Document: Missing Final 1003             Provide missing documentation
25881546 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917555 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25691006 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917550 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2006           Provide missing documentation
25122380 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917560 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25122380 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917561 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
25122380 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917562 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25122380 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917563 Missing Document: Missing Final 1003             Provide missing documentation
25122380 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917564 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25861398 Refinance Rate/Term Primary 4/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917556 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25861398 Refinance Rate/Term Primary 4/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917557 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25861398 Refinance Rate/Term Primary 4/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917558 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25861398 Refinance Rate/Term Primary 4/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917559 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25920438 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917565 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (PA).          
25920438 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917566 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25920438 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917567 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917569 Missing Document: Missing Final 1003             Provide missing documentation
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917570 Missing Document: Appraisal not provided             Provide missing documentation
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917572 (Doc Error) Initial GFE not provided              
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917573 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917574 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917575 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917576 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917577 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25989870 UTD UTD UTD 8/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917578 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25104610 Refinance Cash-out - Other Primary 11/XX/2004 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917579 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
25154804 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917568 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25154804 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917571 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $178,923.22 is underdisclosed from calculated Finance Charge of $178,962.50 in the amount of $39.28. Itemization did not disclose the recording fee of $112 as prepaid finance charges.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25106636 Purchase Primary 1/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917580 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25106636 Purchase Primary 1/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917581 FHA - Amendatory Clause was provided at or after closing. Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: 01/XX/2002; Consummation Date: 01/XX/2002            
25106636 Purchase Primary 1/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917582 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25106636 Purchase Primary 1/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917583 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2001.           Provide missing documentation
25106636 Purchase Primary 1/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917584 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25509026 Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917585 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25325638 Purchase Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917586 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25325638 Purchase Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917587 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25325638 Purchase Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917588 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25325638 Purchase Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917589 (Doc Error) TIL Error: Borrower signature not dated.              
25325638 Purchase Primary 3/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917590 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25209262 Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917591 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25209262 Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917592 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25209262 Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917593 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25209262 Refinance Cash-out - Debt Consolidation Primary 1/XX/2009 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917594 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25290581 Purchase Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917599 Missing Document: Missing Final 1003             Provide missing documentation
25290581 Purchase Primary 10/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917600 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25974796 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917595 Missing Document: Missing Final 1003             Provide missing documentation
25974796 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917596 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25974796 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917597 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
25974796 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917598 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25302561 Refinance Cash-out - Other Primary 4/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917601 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25090639 Refinance Cash-out - Other Primary 9/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917605 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
25090639 Refinance Cash-out - Other Primary 9/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917606 (Doc Error) Initial GFE not provided              
25090639 Refinance Cash-out - Other Primary 9/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917607 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Unable to test RTC expiration date due to missing information.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25090639 Refinance Cash-out - Other Primary 9/XX/2005 AL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917612 (Doc Error) RTC Error: Right to Cancel expiration date is blank.             TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25066039 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917602 Missing Document: Missing Final 1003             Provide missing documentation
25066039 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917603 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25066039 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917604 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25066039 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917608 Missing Document: Credit Report not provided             Provide missing documentation
25066039 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917610 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25066039 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917614 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25066039 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917621 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25705789 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917613 Missing Document: Missing Final 1003             Provide missing documentation
25705789 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917616 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25705789 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917617 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25705789 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917622 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 03/XX/2007           Provide missing documentation
25705789 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917624 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25705789 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917626 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25629356 Refinance Cash-out - Other Primary 3/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917631 Missing Document: Missing Final 1003             Provide missing documentation
25629356 Refinance Cash-out - Other Primary 3/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917632 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25629356 Refinance Cash-out - Other Primary 3/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917633 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25629356 Refinance Cash-out - Other Primary 3/XX/2007 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917634 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25933736 Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917609 (Doc Error) Initial GFE not provided              
25933736 Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917611 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25933736 Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917615 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25933736 Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917618 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25933736 Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917620 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25933736 Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917623 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25933736 Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917625 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25004218 Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917635 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008.           Provide missing documentation
25004218 Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 09/24/2018 1 13917636 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $201,868.36 is underdisclosed from calculated Finance Charge of $202,063.89 in the amount of $195.53. Under disclosure appears to be pay stream related due to the MI on the loan.       (2019-08-15): Cleared after subsequent review. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25004218 Purchase Primary 3/XX/2008 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917637 Missing Document: Missing Final 1003             Provide missing documentation
25782689 Refinance UTD Primary 6/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917627 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25782689 Refinance UTD Primary 6/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917628 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25782689 Refinance UTD Primary 6/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917629 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25782689 Refinance UTD Primary 6/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917630 New York Late Charge Percent Testing Note late charge exceeds maximum per state. Lesser of 5% or $50 late charge exceeds 2% maximum per state (NY)          
25422382 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917639 Missing Document: Missing Final 1003             Provide missing documentation
25422382 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917640 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25422382 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917641 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25422382 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917642 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
25422382 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917643 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25422382 Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917644 (Doc Error) TIL Error: Borrower signature not dated.              
25370134 Refinance Rate/Term Primary 6/XX/2004 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917638 Missing Document: Missing Final 1003             Provide missing documentation
25649649 Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917645 Missing Document: Missing Final 1003             Provide missing documentation
25649649 Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917646 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25649649 Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917647 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state PA          
25649649 Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917648 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25649649 Refinance Rate/Term Primary 2/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917649 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
25395480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917650 Missing Document: Missing Final 1003             Provide missing documentation
25395480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917652 (Doc Error) TIL Error: Borrower signature not dated.              
25395480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917654 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25395480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917655 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25395480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917664 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25395480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917667 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25395480 Refinance Cash-out - Debt Consolidation Primary 1/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917669 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917651 Missing Document: Missing Final 1003             Provide missing documentation
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917653 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917656 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917657 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2002.           Provide missing documentation
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917658 North Carolina Home Loan (Impermissible Prepayment Penalty) North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty.            
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917659 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 10%          
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917660 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917661 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2002, prior to three (3) business days from transaction date of 09/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917662 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917663 Note Error: Note late charge percentage exceeds maximum per state   Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 10%          
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917665 (Doc Error) TIL Error: Borrower signature not dated.              
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917666 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25860524 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917668 Note Error: Note late charge percentage exceeds maximum per state   Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 10%          
25158598 Refinance Rate/Term Primary 6/XX/2002 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917670 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25158598 Refinance Rate/Term Primary 6/XX/2002 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917671 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2002.           Provide missing documentation
25158598 Refinance Rate/Term Primary 6/XX/2002 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917672 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2002, prior to three (3) business days from transaction date of 06/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25158598 Refinance Rate/Term Primary 6/XX/2002 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917673 Missing Document: Missing Final 1003             Provide missing documentation
25158598 Refinance Rate/Term Primary 6/XX/2002 TN $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917674 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 06/XX/2002           Provide missing documentation
25100133 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917675 Missing Document: Missing Final 1003             Provide missing documentation
25100133 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917676 (Doc Error) TIL Error: Borrower signature not dated.              
25100133 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917677 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25100133 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917678 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
25100133 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917679 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25100133 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917680 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917681 Missing Document: Missing Final 1003             Provide missing documentation
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917682 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917683 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917684 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917685 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917686 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917687 (Doc Error) TIL Error: Borrower signature not dated.              
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917688 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25465083 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917689 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25009475 Purchase Primary 11/XX/1999 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917690 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/1999.           Provide missing documentation
25009475 Purchase Primary 11/XX/1999 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917691 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 12.38670% is underdisclosed from calculated APR of 12.84995% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25009475 Purchase Primary 11/XX/1999 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917692 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $217,920.92 is underdisclosed from calculated Finance Charge of $231,529.99 in the amount of $13,609.07. It appears the lender used an index lower than 5.96% which is the lowest available in the lookback period.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25009475 Purchase Primary 11/XX/1999 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917693 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25277271 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917694 Missing Document: Missing Final 1003             Provide missing documentation
25277271 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917695 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25277271 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917696 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25277271 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917697 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25277271 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917698 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25277271 Refinance Rate/Term Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917699 Valuation Error: APN Number not provided. Valuation Type: Appraisal / Valuation Report Date: 08/XX/2006            
25358180 Refinance Rate/Term Primary 12/XX/2005 DC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917700 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25358180 Refinance Rate/Term Primary 12/XX/2005 DC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917701 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25358180 Refinance Rate/Term Primary 12/XX/2005 DC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917702 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25358180 Refinance Rate/Term Primary 12/XX/2005 DC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917703 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25358180 Refinance Rate/Term Primary 12/XX/2005 DC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917704 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25887931 Refinance Cash-out - Other Primary 2/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917705 Missing Document: Missing Final 1003             Provide missing documentation
25887931 Refinance Cash-out - Other Primary 2/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917706 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25887931 Refinance Cash-out - Other Primary 2/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917707 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25887931 Refinance Cash-out - Other Primary 2/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917708 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25887931 Refinance Cash-out - Other Primary 2/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13917709 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25519217 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917710 Missing Document: Missing Final 1003             Provide missing documentation
25519217 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13917711 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25519217 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917712 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
25622021 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917713 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2003, prior to three (3) business days from transaction date of 01/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25622021 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917714 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2002.           Provide missing documentation
25622021 Refinance Cash-out - Other Primary 1/XX/2003 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917715 Missing Document: Missing Final 1003             Provide missing documentation
25706624 Refinance Rate/Term Primary 11/XX/2006 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917716 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25706624 Refinance Rate/Term Primary 11/XX/2006 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917717 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25155443 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917718 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25723787 Refinance Rate/Term Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917719 (Doc Error) Initial GFE not provided              
25723787 Refinance Rate/Term Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917721 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25723787 Refinance Rate/Term Primary 4/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917722 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
25217519 Purchase Primary 11/XX/1999 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917723 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1999 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1999.           Provide missing documentation
25217519 Purchase Primary 11/XX/1999 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917724 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25217519 Purchase Primary 11/XX/1999 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917725 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25217519 Purchase Primary 11/XX/1999 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917726 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,055,992.95 is underdisclosed from calculated Finance Charge of $1,078,354.01 in the amount of $22,361.06. It appears the lender used an index lower than 4.88% which is the lowest available in the lookback period.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25842340 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917727 Missing Document: Missing Final 1003             Provide missing documentation
25842340 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917728 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25842340 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917729 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25586436 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917730 Missing Document: Missing Final 1003             Provide missing documentation
25586436 Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917731 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
25800770 Refinance Rate/Term Primary 12/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917732 Missing Document: Missing Final 1003             Provide missing documentation
25800770 Refinance Rate/Term Primary 12/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917733 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25800770 Refinance Rate/Term Primary 12/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917734 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2001, prior to three (3) business days from transaction date of 12/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25800770 Refinance Rate/Term Primary 12/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917735 (Doc Error) TIL Error: Borrower signature not dated.              
25800770 Refinance Rate/Term Primary 12/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917736 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25800770 Refinance Rate/Term Primary 12/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917737 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25800770 Refinance Rate/Term Primary 12/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917738 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001.           Provide missing documentation
25800770 Refinance Rate/Term Primary 12/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917739 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date:           Provide missing documentation
25136832 Refinance Cash-out - Other Investment 2/XX/1993 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917740 Missing Document: Missing Final 1003             Provide missing documentation
25136832 Refinance Cash-out - Other Investment 2/XX/1993 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917741 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/1993 used as disbursement date for compliance testing.           Provide missing documentation
25136832 Refinance Cash-out - Other Investment 2/XX/1993 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917742 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/1993 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/1992.           Provide missing documentation
25957551 Refinance Cash-out - Other Primary 4/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917743 Note Error: Note grace period days less than minimum per state   Tennessee Late charges apply after 10 days, this loan states 5 days          
25957551 Refinance Cash-out - Other Primary 4/XX/2007 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917744 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25150254 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917745 Missing Document: Missing Final 1003             Provide missing documentation
25150254 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917746 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25150254 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917747 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25150254 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917748 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25150254 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917749 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25150254 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917750 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25150254 Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917751 Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.            
25278940 Refinance Cash-out - Other Primary 9/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917752 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25557959 Refinance Cash-out - Other Primary 1/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917768 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25557959 Refinance Cash-out - Other Primary 1/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917770 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25557959 Refinance Cash-out - Other Primary 1/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917772 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25557959 Refinance Cash-out - Other Primary 1/XX/2009 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917773 Ohio CSPA Tangible Net Benefit Test Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.            
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917753 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917754 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917755 (Doc Error) Initial GFE not provided              
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917756 Amendatory Clause is missing. Disclosure: FHA - Amendatory Clause (Government Documents)           Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917757 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917758 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2011.           Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917759 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917760 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917761 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917762 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917763 RESPA (2010) - Prepayment Penalty Information on Final HUD-1 Inaccurate RESPA (2010): Final HUD-1 indicates no prepayment penalty for loan containing prepayment penalty.            
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917764 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917765 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917766 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917767 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917769 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25666598 Purchase Primary 6/XX/2012 NY $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917771 Missing Document: Credit Report not provided             Provide missing documentation
25773723 Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917780 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents)            
25773723 Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917782 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25773723 Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917783 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment.            
25773723 Purchase Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917784 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.            
25388311 Purchase Primary 3/XX/2008 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917785 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25388311 Purchase Primary 3/XX/2008 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917786 FHA - Amendatory Clause was provided at or after closing. Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: 03/XX/2008; Consummation Date: 03/XX/2008            
25388311 Purchase Primary 3/XX/2008 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917787 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25961890 Refinance Rate/Term Primary 9/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917788 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25961890 Refinance Rate/Term Primary 9/XX/2009 NY $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917790 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 09/XX/2009           Provide missing documentation
25980517 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917791 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917792 Missing Document: Missing Final 1003             Provide missing documentation
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917793 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917794 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917795 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917796 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917797 Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.            
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917798 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917799 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13917800 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25274816 Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917801 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
25894706 Purchase Primary 4/XX/2010 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917806 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25894706 Purchase Primary 4/XX/2010 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917807 RESPA - Initial GFE Not Provided Within 3 Business Days of Application RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.            
25894706 Purchase Primary 4/XX/2010 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917808 RESPA Disclosure - HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.           Provide missing documentation
25894706 Purchase Primary 4/XX/2010 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917809 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
25894706 Purchase Primary 4/XX/2010 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917810 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.            
25454439 Purchase Primary 10/XX/2003 MS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917802 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25454439 Purchase Primary 10/XX/2003 MS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917803 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25454439 Purchase Primary 10/XX/2003 MS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917804 FHA Case Number Assignment Date Missing FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.           Provide missing documentation
25197080 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917805 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.           Provide missing documentation
25669136 Purchase Primary 4/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917811 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25669136 Purchase Primary 4/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917812 (Doc Error) TIL Error: Final TIL not signed by all required parties   TIL appears to be final but not signed nor initialed by borrower.          
25776208 Purchase Primary 12/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917813 Missing Document: FHA Case Number Assignment not provided             Provide missing documentation
25776208 Purchase Primary 12/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917814 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2008.           Provide missing documentation
25776208 Purchase Primary 12/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917815 (Doc Error) Initial GFE not provided              
25776208 Purchase Primary 12/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917816 FHA - Amendatory Clause is not compliant. Disclosure: FHA - Amendatory Clause (Government Documents)            
25776208 Purchase Primary 12/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917817 FHA - Real Estate Certification is not compliant. Disclosure: FHA - Real Estate Certification (Government Documents)            
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917818 Missing Document: Missing Final 1003             Provide missing documentation
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917819 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917820 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917821 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917822 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917823 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917824 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917825 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917826 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917827 Missing Document: Appraisal not provided             Provide missing documentation
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917828 (Doc Error) Initial GFE not provided              
25097242 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CT $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917829 Missing Document: Credit Report not provided             Provide missing documentation
25740119 Refinance Rate/Term Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917831 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25740119 Refinance Rate/Term Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917832 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25740119 Refinance Rate/Term Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917833 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25740119 Refinance Rate/Term Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917834 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25740119 Refinance Rate/Term Primary 5/XX/2007 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917835 (Doc Error) TIL Error: Borrower signature not dated.              
25230578 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917837 Missing Document: Missing Final 1003             Provide missing documentation
25230578 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917838 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25230578 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917839 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25230578 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917840 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.           Provide missing documentation
25230578 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917841 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25230578 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917842 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25230578 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917843 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917844 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917845 Missing Document: Appraisal not provided             Provide missing documentation
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917846 (Doc Error) Initial GFE not provided              
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917847 Missing Document: Missing Final 1003             Provide missing documentation
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13917848 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917849 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917850 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917851 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917852 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917853 Maryland Late Charge Grace Period Testing Note grace period less than minimum per state. State grace period of 10 days is less than 15 days required in Maryland.          
25653808 UTD UTD Primary 10/XX/2000 MD $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917854 Missing Document: Credit Report not provided             Provide missing documentation
25134619 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 MA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917855 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
25788767 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 WV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917856 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.           Provide missing documentation
25788767 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 WV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917857 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25061611 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917858 Missing Document: Missing Final 1003             Provide missing documentation
25061611 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917859 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25061611 Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917860 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25403643 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917864 Missing Document: Missing Final 1003             Provide missing documentation
25403643 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917865 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25403643 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917866 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25403643 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917867 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25403643 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917868 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25403643 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917869 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25403643 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917870 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25403643 Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917872 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 10/XX/2006           Provide missing documentation
25684336 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917861 Missing Document: Missing Final 1003             Provide missing documentation
25684336 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917862 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25684336 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917863 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25519501 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917871 Missing Document: Missing Final 1003             Provide missing documentation
25519501 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917873 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25519501 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917874 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25519501 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917875 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25519501 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917876 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 07/XX/2007           Provide missing documentation
25087659 Refinance Cash-out - Other Primary 7/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917878 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25087659 Refinance Cash-out - Other Primary 7/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917879 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25087659 Refinance Cash-out - Other Primary 7/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917880 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25087659 Refinance Cash-out - Other Primary 7/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917881 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25087659 Refinance Cash-out - Other Primary 7/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917882 (Doc Error) TIL Error: Borrower signature not dated.              
25087659 Refinance Cash-out - Other Primary 7/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917883 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25087659 Refinance Cash-out - Other Primary 7/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917884 New Jersey Home Loan (Late Charge) New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. State grace period of 10 days is less than 15 days required in New Jersey.          
25777466 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917885 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25777466 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917886 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25777466 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917887 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25777466 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917888 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25777466 Refinance Cash-out - Other Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917889 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917890 Missing Document: Missing Final 1003             Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13917891 Missing Document: HUD-1 Addendum not provided             Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917893 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.           (2019-08-15): Appraisal received is illegible. Unable to perform review on appraisal received. Exception remains.  
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917895 Missing Document: Appraisal not provided           (2019-08-15): Appraisal received is illegible. Unable to perform review on appraisal received. Exception remains. Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917897 (Doc Error) Initial GFE not provided              
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13917898 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917900 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/06/2018 1 13917902 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.         (2019-08-15): Received Final HUD, exception cleared. Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/06/2018 1 13917903 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.         (2019-08-15): Received Final HUD, exception cleared. Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/06/2018 1 13917905 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         (2019-08-15): Received RTC, exception cleared. Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Cleared 11/06/2018 1 13917906 TILA - Final TIL Missing Missing Final TIL.         (2019-08-15): Received TIL, exception cleared. Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917907 (Doc Error) TIL Error: Borrower signature not dated.              
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917908 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917909 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.           Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917910 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917911 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917912 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917913 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25186472 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917914 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25266385 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917892 Missing Document: Missing Final 1003             Provide missing documentation
25266385 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917894 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25266385 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917896 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25266385 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917899 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
25266385 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917901 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25266385 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917904 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25642911 Purchase Primary 7/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917915 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25707338 Purchase Primary 1/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917929 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25707338 Purchase Primary 1/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917930 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25707338 Purchase Primary 1/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917931 Missing Document: Missing Final 1003             Provide missing documentation
25614219 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917916 Missing Document: Missing Final 1003             Provide missing documentation
25614219 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917917 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25614219 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917918 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25614219 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917919 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25614219 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917920 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25614219 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917921 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25655357 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917922 Missing Document: Missing Final 1003             Provide missing documentation
25655357 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917923 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25655357 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917924 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25655357 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917925 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25655357 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917926 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25655357 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917927 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25655357 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917928 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25005734 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917932 Missing Document: HUD/VA 92900-A not provided             Provide missing documentation
25005734 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917933 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
25005734 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917934 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25005734 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917935 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25005734 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917936 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25005734 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917937 FHA - Amendatory Clause was provided at or after closing. Disclosure: FHA - Amendatory Clause (Government Documents) Provided Date: 08/XX/2004; Consummation Date: 08/XX/2004            
25005734 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917938 Missing Document: FHA Mortgage Insurance Certificate not provided             Provide missing documentation
25005734 Purchase Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Government Documentation Credit Open   3 13917939 Real Estate Certification is missing. Disclosure: FHA - Real Estate Certification (Government Documents)           Provide missing documentation
25814656 Purchase Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13917940 Missing Document: HUD-1 Addendum not provided             Provide missing documentation
25814656 Purchase Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917941 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25814656 Purchase Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917943 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing. TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.          
25814656 Purchase Primary 8/XX/2007 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917948 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917942 Missing Document: Missing Final 1003             Provide missing documentation
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13917944 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917945 (Doc Error) Initial GFE not provided              
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13917946 Missing Document: Appraisal not provided             Provide missing documentation
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917947 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917949 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917950 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917951 (Missing Data) Missing Information to Determine LTV Unable to determine LTV or CLTV due to missing information. State compliance testing is unreliable.           Provide missing documentation
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917952 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917953 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25503666 UTD UTD Primary 12/XX/2003 KS $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917954 Missing Document: Credit Report not provided             Provide missing documentation
25760954 Purchase Primary 6/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917955 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917956 Missing Document: Missing Final 1003             Provide missing documentation
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13917957 Missing Document: Credit Report not provided             Provide missing documentation
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917958 (Doc Error) GFE Error: Rate lock period not provided.              
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917959 (Doc Error) Initial GFE not provided              
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917960 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13917961 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917962 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917963 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917965 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917966 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25156928 Refinance Rate/Term Primary 12/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917967 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25248925 Refinance Cash-out - Debt Consolidation Primary 6/XX/2008 KS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917968 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25888128 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917969 Missing Document: Missing Final 1003             Provide missing documentation
25888128 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917970 (Doc Error) TIL Error: Borrower signature not dated.              
25888128 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917971 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25888128 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917972 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25888128 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917973 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25888128 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917974 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25888128 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917975 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25888128 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917978 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25892964 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917976 Missing Document: Missing Final 1003             Provide missing documentation
25892964 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917977 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25892964 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917979 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25892964 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917980 Note Error: Note grace period days less than minimum per state   5 day grace period reflected on subject Loan Agreement does not meet minimum 10 day required for state of TN.          
25892964 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917981 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25350133 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917982 Missing Document: Missing Final 1003             Provide missing documentation
25350133 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917983 (Doc Error) TIL Error: Borrower signature not dated.              
25350133 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13917984 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25350133 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917985 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25350133 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917986 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25350133 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917987 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917988 Missing Document: Missing Final 1003             Provide missing documentation
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13917989 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917990 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917991 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13917992 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917994 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 11/07/2018 1 13917996 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.         (2019-08-15): Received disclosure, exception cleared. Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13917997 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13917999 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25826939 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918001 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25018893 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13917995 Missing Document: Missing Final 1003             Provide missing documentation
25018893 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13917998 (Doc Error) Initial GFE not provided              
25018893 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918000 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
25018893 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918002 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25018893 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918003 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25018893 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918004 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25018893 Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 NJ $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13918005 Missing Document: Credit Report not provided             Provide missing documentation
25129608 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918007 Missing Document: Missing Final 1003             Provide missing documentation
25129608 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918011 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25129608 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918013 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 08/XX/2005           Provide missing documentation
25129608 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918014 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25129608 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918015 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25129608 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918016 (Doc Error) TIL Error: Borrower signature not dated.              
25129608 Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918017 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25776509 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918006 (Doc Error) Initial GFE not provided              
25776509 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918009 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25776509 Refinance Cash-out - Other Primary 3/XX/2007 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918012 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25096211 Refinance Rate/Term Primary 8/XX/2003 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918008 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $71,372.25 is underdisclosed from calculated Finance Charge of $71,487.26 in the amount of $115.01. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25096211 Refinance Rate/Term Primary 8/XX/2003 AR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918010 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25837309 Refinance Rate/Term Primary 3/XX/2007 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918018 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25837309 Refinance Rate/Term Primary 3/XX/2007 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918019 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25956718 Purchase Primary 4/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918021 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25922769 Refinance Cash-out - Other Primary 7/XX/2003 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918023 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003.           Provide missing documentation
25922769 Refinance Cash-out - Other Primary 7/XX/2003 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918024 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25922769 Refinance Cash-out - Other Primary 7/XX/2003 SC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918025 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25309564 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918027 Missing Document: Missing Final 1003             Provide missing documentation
25309564 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918028 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25309564 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918029 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25309564 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918030 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2005, prior to three (3) business days from transaction date of 02/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918031 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918032 Missing Document: Appraisal not provided             Provide missing documentation
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918033 (Doc Error) Initial GFE not provided              
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918034 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918035 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918036 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918037 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918038 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918039 Ohio Consumer Sales Practices Act (Ability to Repay not Verified) Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.            
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918040 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918041 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.            
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918042 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918043 Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.            
25991601 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13918044 Missing Document: Credit Report not provided             Provide missing documentation
25674181 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918045 Missing Document: Missing Final 1003             Provide missing documentation
25674181 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918046 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25674181 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918047 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2003, prior to three (3) business days from transaction date of 11/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25674181 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918048 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25674181 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918049 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25674181 Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918050 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 11/XX/2003           Provide missing documentation
25093144 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 CT $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918051 (Doc Error) Initial GFE not provided              
25093144 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918052 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25093144 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918053 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2002.           Provide missing documentation
25093144 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918054 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25093144 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918055 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25093144 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918056 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25093144 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918057 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25093144 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 CT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918058 Missing Document: Missing Final 1003             Provide missing documentation
25422457 Refinance Rate/Term Primary 4/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918061 Missing Document: Missing Final 1003             Provide missing documentation
25422457 Refinance Rate/Term Primary 4/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918063 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
25698930 Refinance Cash-out - Other Primary 2/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918059 Missing Document: Missing Final 1003             Provide missing documentation
25698930 Refinance Cash-out - Other Primary 2/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918060 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25698930 Refinance Cash-out - Other Primary 2/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918062 Missing Document: Appraisal not provided             Provide missing documentation
25698930 Refinance Cash-out - Other Primary 2/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918064 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25698930 Refinance Cash-out - Other Primary 2/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918065 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25698930 Refinance Cash-out - Other Primary 2/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918066 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25698930 Refinance Cash-out - Other Primary 2/XX/2006 DE $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918067 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25186689 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918072 Missing Document: Missing Final 1003             Provide missing documentation
25186689 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918073 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25186689 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918074 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25186689 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918075 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25186689 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918076 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25421937 Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918069 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25421937 Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918070 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2000.           Provide missing documentation
25421937 Refinance Cash-out - Debt Consolidation Primary 3/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918071 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2001, prior to three (3) business days from transaction date of 03/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25272901 Refinance Cash-out - Debt Consolidation Primary 6/XX/2002 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918080 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2001.           Provide missing documentation
25301532 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 HI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918077 Missing Document: Missing Final 1003             Provide missing documentation
25301532 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918078 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25301532 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 HI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918079 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25969585 Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918081 Missing Document: Missing Final 1003             Provide missing documentation
25969585 Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918082 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25969585 Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918083 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2004, prior to three (3) business days from transaction date of 02/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25969585 Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918084 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25969585 Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 LA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918085 (Doc Error) TIL Error: Borrower signature not dated.              
25099901 Purchase Primary 1/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918106 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
25099901 Purchase Primary 1/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918107 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25099901 Purchase Primary 1/XX/2006 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918108 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918086 Missing Document: Missing Final 1003             Provide missing documentation
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918087 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13918088 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918089 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918090 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918091 Maryland Late Charge Grace Period Testing Note grace period less than minimum per state. The grace period is not allowed per state (MD) -the minimum grace period for MD is 15 days - this note specifies 10 days.          
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918092 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918093 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 08/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918095 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13918098 Missing Document: Credit Report not provided             Provide missing documentation
25152962 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918100 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 08/XX/2005           Provide missing documentation
25016330 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918094 Missing Document: Missing Final 1003             Provide missing documentation
25016330 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918097 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25016330 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918099 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
25016330 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918101 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25016330 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918102 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25016330 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918103 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25016330 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918104 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25016330 Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918105 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25291082 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918109 Missing Document: Missing Final 1003             Provide missing documentation
25291082 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13918110 Missing Document: Security Instrument not provided             Provide missing documentation
25291082 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918111 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25291082 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918112 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25291082 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918113 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25291082 Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918114 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25158763 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918115 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25158763 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918117 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25158763 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918118 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25158763 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918119 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25158763 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918120 Missing Document: Missing Final 1003             Provide missing documentation
25158763 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918121 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 1, 4, 6, or 11) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.)           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25158763 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918122 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
25575327 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918123 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
25575327 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918124 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25474441 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 NH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918116 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
25668755 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918125 Missing Document: Missing Final 1003             Provide missing documentation
25668755 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13918126 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25668755 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918127 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25668755 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918128 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25668755 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918129 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25567857 Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918130 (Doc Error) Initial GFE not provided              
25567857 Refinance Cash-out - Debt Consolidation Primary 8/XX/2004 NJ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918131 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
25261817 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918132 Missing Document: Missing Final 1003             Provide missing documentation
25261817 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918133 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
25261817 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918134 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25261817 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918135 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25261817 Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918136 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25863100 Purchase Primary 5/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918137 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
25863100 Purchase Primary 5/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918138 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25863100 Purchase Primary 5/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918139 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
25414172 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918140 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25254130 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918141 Missing Document: Missing Final 1003             Provide missing documentation
25254130 Refinance Cash-out - Debt Consolidation Primary 5/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918142 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 05/XX/2004           Provide missing documentation
25513853 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918144 Missing Document: Missing Final 1003             Provide missing documentation
25513853 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OR $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918145 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 03/XX/2004           Provide missing documentation
25513853 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918146 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25513853 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918147 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25185602 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918148 Missing Document: Missing Final 1003             Provide missing documentation
25185602 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918149 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25185602 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918150 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
25185602 Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918151 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25480775 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918152 Missing Document: Missing Final 1003             Provide missing documentation
25480775 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918153 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25480775 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918154 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
25480775 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918155 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25927123 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918156 Missing Document: Missing Final 1003             Provide missing documentation
25927123 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918157 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
25927123 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918158 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25927123 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918161 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25927123 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918163 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25927123 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918165 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25927123 Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918166 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
25687527 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918159 (Doc Error) Initial GFE not provided              
25687527 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918160 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
25687527 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918162 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $139,326.34 is underdisclosed from calculated Finance Charge of $139,369.92 in the amount of $43.58. Unable to determine under disclosure due to missing Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25687527 Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918164 Missing Document: Appraisal not provided Valuation Type: AVM / Valuation Report Date: 01/XX/2004           Provide missing documentation
25019038 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918167 Missing Document: Missing Final 1003             Provide missing documentation
25019038 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918168 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25019038 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918169 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing Unable to test Affiliated Business Disclosure due to missing information.           Provide missing documentation
25019038 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918170 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25019038 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918171 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
25019038 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918172 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25019038 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918173 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25019038 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918174 Missing Document: Appraisal not provided Valuation Type: Stated / Valuation Report Date: 02/XX/2006           Provide missing documentation
25517146 Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918175 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25526465 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918176 Missing Document: Missing Final 1003             Provide missing documentation
25526465 Refinance Cash-out - Debt Consolidation Primary 8/XX/2008 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918177 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
25519632 Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 TN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918178 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
25823763 Refinance Cash-out - Other Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918179 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
25823763 Refinance Cash-out - Other Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918180 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25823763 Refinance Cash-out - Other Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918181 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25823763 Refinance Cash-out - Other Primary 3/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918182 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25687339 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918183 (Doc Error) TIL Error: Final TIL not signed by all required parties              
25687339 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918184 Missing Document: Missing Final 1003             Provide missing documentation
25687339 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918185 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25687339 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918186 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25687339 Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918187 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25238653 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918188 Missing Document: Missing Final 1003             Provide missing documentation
25238653 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918189 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25238653 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918190 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25238653 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918191 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25238653 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918192 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25238653 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 VA $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13918193 Missing Document: Credit Report not provided             Provide missing documentation
25719617 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918195 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
25719617 Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 VA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918198 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $641,006.05 is underdisclosed from calculated Finance Charge of $641,066.92 in the amount of $60.87. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25835326 Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 WV $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918194 Missing Document: Missing Final 1003             Provide missing documentation
25874364 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918196 Missing Document: Missing Final 1003             Provide missing documentation
25874364 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13918197 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25874364 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918199 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25874364 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918200 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
25874364 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 VT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918201 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25247709 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VT $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918207 Missing Document: Missing Final 1003             Provide missing documentation
25247709 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918208 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
25247709 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918209 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25247709 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918210 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25247709 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918211 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25247709 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918212 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25247709 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VT $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13918213 Missing Document: Credit Report not provided             Provide missing documentation
25247709 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 VT $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918214 (Doc Error) Initial GFE not provided              
25908677 Refinance Rate/Term Primary 11/XX/2012 IL $XXX Loan Review Complete 08/15/2019 Insurance Insurance Documentation Credit Open   3 13918215 Missing Document: Mortgage Insurance Certificate (MIC) not provided             Provide missing documentation
25279313 Refinance Cash-out - Other Investment 1/XX/2007 PA $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918216 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (PA)          
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918217 Missing Document: Missing Final 1003             Provide missing documentation
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13918218 Missing Document: Credit Report not provided             Provide missing documentation
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918219 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918220 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918221 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918222 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918223 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918224 Missing Document: Appraisal not provided             Provide missing documentation
25110216 Refinance Cash-out - Other Primary 6/XX/2004 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918225 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Right to Cancel not located in file.         Provide missing documentation
25433680 Purchase Primary 8/XX/2005 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918226 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
25300449 Refinance Rate/Term Primary 6/XX/2008 MS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918228 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
25300449 Refinance Rate/Term Primary 6/XX/2008 MS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918230 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25300449 Refinance Rate/Term Primary 6/XX/2008 MS $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918231 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25300449 Refinance Rate/Term Primary 6/XX/2008 MS $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918232 Mississippi Late Charge Percent and Amount Testing > $100,000 Note late charge exceeds maximum per state. Late charge not allowed per state of (MS) - max late charge for (MS) is 4% - note states 5%.          
25926313 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918249 Missing Document: Missing Final 1003             Provide missing documentation
25926313 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13918252 Missing Document: Missing Lender's Initial 1003   Client approved use of alternative application document for initial application date.         Provide missing documentation
25926313 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13918257 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.           Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25926313 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918258 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25926313 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   3 13918259 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
25926313 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918260 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25926313 Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Cleared 05/10/2019 1 13918261 (TX50(a)(6)) Texas Cash-out Loan (Loan documents do not expressly disclaim and waive any and all security interests securing other indebtedness owed or owing to the lender) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Loan documents do not expressly disclaim and waive any and all security interests securing other indebtedness owed or owing to the lender.         (2019-08-15): subsequent review cleared exception Send the borrower a written acknowledgement that the lien is valid only against the subject property and not against any other security interests.
25081149 Refinance Cash-out - Other Primary 9/XX/1999 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918233 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25081149 Refinance Cash-out - Other Primary 9/XX/1999 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918234 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 8/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 3/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25081149 Refinance Cash-out - Other Primary 9/XX/1999 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918235 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25081149 Refinance Cash-out - Other Primary 9/XX/1999 OK $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918236 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25081149 Refinance Cash-out - Other Primary 9/XX/1999 OK $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   3 13918237 FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Disaster Date: 06/XX/2015 Inspection Date:            
25081149 Refinance Cash-out - Other Primary 9/XX/1999 OK $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918238 Flood Certificate Error: Certificate Number was not provided.              
25744296 Purchase Primary 8/XX/2005 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918251 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25744296 Purchase Primary 8/XX/2005 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918253 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25744296 Purchase Primary 8/XX/2005 NV $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Credit Open   3 13918254 Privacy Notice is missing Disclosure: Privacy Notice           Provide missing documentation
25714909 Purchase Primary 7/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918262 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
25977701 Refinance Cash-out - Other Primary 1/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918263 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
25097111 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918264 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25481035 Purchase Primary 8/XX/2002 NY $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918265 (Doc Error) Initial GFE not provided              
25481035 Purchase Primary 8/XX/2002 NY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918266 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25680713 Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918267 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25175057 Refinance Cash-out - Other Primary 4/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918268 TILA HELOC - Tax Advisor Statement Missing Truth in Lending Act (HELOC): Creditor did not provide statement that the consumer should consult a tax advisor.           Provide missing documentation
25175057 Refinance Cash-out - Other Primary 4/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918269 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25175057 Refinance Cash-out - Other Primary 4/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918270 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
25175057 Refinance Cash-out - Other Primary 4/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918271 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25175057 Refinance Cash-out - Other Primary 4/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918272 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25175057 Refinance Cash-out - Other Primary 4/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918273 Indiana Prepayment Penalty Second Lien Indiana Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2% of the amount prepaid. The prepayment penalty of $300 exceeds the max permitted of 2% allowed by the state. (IN)          
25175057 Refinance Cash-out - Other Primary 4/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918274 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918276 Missing Document: Missing Final 1003             Provide missing documentation
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918277 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918278 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918279 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business days from transaction date of 11/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918280 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918281 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918282 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918283 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918284 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25113643 Refinance Cash-out - Other Primary 11/XX/2004 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918285 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25363167 Refinance Cash-out - Other Primary 8/XX/1998 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918286 Missing Document: Missing Final 1003             Provide missing documentation
25363167 Refinance Cash-out - Other Primary 8/XX/1998 IN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918287 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25363167 Refinance Cash-out - Other Primary 8/XX/1998 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918288 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25363167 Refinance Cash-out - Other Primary 8/XX/1998 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918289 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1998 used as disbursement date for compliance testing.           Provide missing documentation
25363167 Refinance Cash-out - Other Primary 8/XX/1998 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918291 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/1998, prior to three (3) business days from transaction date of 08/XX/1998.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25363167 Refinance Cash-out - Other Primary 8/XX/1998 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918293 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25924694 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918290 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25924694 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918294 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25924694 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918295 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25924694 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918297 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25924694 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918299 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
25924694 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918302 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25924694 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918305 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2003, prior to three (3) business days from transaction date of 10/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25924694 Refinance Cash-out - Debt Consolidation Primary 10/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918306 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25982216 Refinance Cash-out - Other Primary 10/XX/2006 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918292 Missing Document: Missing Final 1003             Provide missing documentation
25982216 Refinance Cash-out - Other Primary 10/XX/2006 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918296 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25982216 Refinance Cash-out - Other Primary 10/XX/2006 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918298 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25982216 Refinance Cash-out - Other Primary 10/XX/2006 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918300 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
25982216 Refinance Cash-out - Other Primary 10/XX/2006 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918301 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25982216 Refinance Cash-out - Other Primary 10/XX/2006 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918303 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25982216 Refinance Cash-out - Other Primary 10/XX/2006 IN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918304 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25850760 Refinance Cash-out - Other Primary 9/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918307 Missing Document: Missing Final 1003             Provide missing documentation
25850760 Refinance Cash-out - Other Primary 9/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918308 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25850760 Refinance Cash-out - Other Primary 9/XX/2003 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918309 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25372808 Refinance Cash-out - Other Primary 7/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918311 Missing Document: Missing Final 1003             Provide missing documentation
25372808 Refinance Cash-out - Other Primary 7/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918312 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25372808 Refinance Cash-out - Other Primary 7/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918313 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
25372808 Refinance Cash-out - Other Primary 7/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918314 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25372808 Refinance Cash-out - Other Primary 7/XX/2005 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918315 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25689340 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918317 Missing Document: Missing Final 1003             Provide missing documentation
25689340 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918318 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25689340 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918319 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25689340 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918320 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25689340 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918321 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25689340 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918322 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25689340 Refinance Cash-out - Other Primary 6/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918323 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25950155 Refinance Cash-out - Other Primary 2/XX/2001 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918324 Missing Document: Missing Final 1003             Provide missing documentation
25950155 Refinance Cash-out - Other Primary 2/XX/2001 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918325 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25950155 Refinance Cash-out - Other Primary 2/XX/2001 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918326 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25950155 Refinance Cash-out - Other Primary 2/XX/2001 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918327 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25950155 Refinance Cash-out - Other Primary 2/XX/2001 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918328 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25950155 Refinance Cash-out - Other Primary 2/XX/2001 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918329 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25168579 Refinance Cash-out - Other Primary 8/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918331 Missing Document: Missing Final 1003             Provide missing documentation
25168579 Refinance Cash-out - Other Primary 8/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918332 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25168579 Refinance Cash-out - Other Primary 8/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918333 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25168579 Refinance Cash-out - Other Primary 8/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918335 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25482438 Refinance Cash-out - Other Primary 4/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918336 Missing Document: Missing Final 1003             Provide missing documentation
25482438 Refinance Cash-out - Other Primary 4/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918337 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25482438 Refinance Cash-out - Other Primary 4/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918338 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2002.           Provide missing documentation
25482438 Refinance Cash-out - Other Primary 4/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918339 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25482438 Refinance Cash-out - Other Primary 4/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918340 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25482438 Refinance Cash-out - Other Primary 4/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918341 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2003, prior to three (3) business days from transaction date of 04/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25585899 Purchase Primary 4/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918343 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25585899 Purchase Primary 4/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918344 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25585899 Purchase Primary 4/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918345 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25585899 Purchase Primary 4/XX/2003 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918346 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25471745 Refinance Cash-out - Other Primary 6/XX/1999 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918347 Missing Document: Missing Final 1003             Provide missing documentation
25471745 Refinance Cash-out - Other Primary 6/XX/1999 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13918348 Missing Document: Security Instrument not provided             Provide missing documentation
25471745 Refinance Cash-out - Other Primary 6/XX/1999 WI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918349 (Doc Error) Initial GFE not provided              
25471745 Refinance Cash-out - Other Primary 6/XX/1999 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918350 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25471745 Refinance Cash-out - Other Primary 6/XX/1999 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918351 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 06/XX/1999 used as disbursement date for compliance testing.           Provide missing documentation
25471745 Refinance Cash-out - Other Primary 6/XX/1999 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918352 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25471745 Refinance Cash-out - Other Primary 6/XX/1999 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918353 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25471745 Refinance Cash-out - Other Primary 6/XX/1999 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918354 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/1999, prior to three (3) business days from transaction date of 06/XX/1999.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25948299 Refinance Cash-out - Other Primary 8/XX/1996 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918355 Missing Document: Missing Final 1003             Provide missing documentation
25948299 Refinance Cash-out - Other Primary 8/XX/1996 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918356 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1996 used as disbursement date for compliance testing.           Provide missing documentation
25948299 Refinance Cash-out - Other Primary 8/XX/1996 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918357 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/1996, prior to three (3) business days from transaction date of 08/XX/1996.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25948299 Refinance Cash-out - Other Primary 8/XX/1996 WI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918358 Miscellaneous Compliance: Non-Material Compliance Exception:   HELOC Agreement in file provides for Termination Date on or within one year of Agreement date with stipulation for automatic renewal annually (unless other termination event occurs). Maturity Date captured as earliest Termination Date provided as Agreement does not provide end date for rolling termination date. Loan is not subject to high cost testing and is outside of TILA SOL.          
25732922 Refinance Cash-out - Other Primary 10/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918359 Missing Document: Missing Final 1003             Provide missing documentation
25732922 Refinance Cash-out - Other Primary 10/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918360 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25732922 Refinance Cash-out - Other Primary 10/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918361 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25732922 Refinance Cash-out - Other Primary 10/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918363 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25452442 Refinance Cash-out - Other Primary 6/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918362 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25452442 Refinance Cash-out - Other Primary 6/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918364 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25452442 Refinance Cash-out - Other Primary 6/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918365 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
25452442 Refinance Cash-out - Other Primary 6/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918366 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25452442 Refinance Cash-out - Other Primary 6/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918367 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25452442 Refinance Cash-out - Other Primary 6/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918368 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25452442 Refinance Cash-out - Other Primary 6/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918369 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25277690 Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918370 Missing Document: Missing Final 1003             Provide missing documentation
25277690 Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918371 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25277690 Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918372 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25277690 Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918373 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25277690 Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918374 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25277690 Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918375 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25277690 Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918376 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2003, prior to three (3) business days from transaction date of 02/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25277690 Refinance Cash-out - Other Primary 2/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918377 Missing Document: Appraisal not provided             Provide missing documentation
25460835 Refinance Cash-out - Other Primary 5/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918382 Missing Document: Missing Final 1003             Provide missing documentation
25460835 Refinance Cash-out - Other Primary 5/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13918385 Missing Document: Security Instrument not provided             Provide missing documentation
25460835 Refinance Cash-out - Other Primary 5/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918386 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25460835 Refinance Cash-out - Other Primary 5/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918387 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25460835 Refinance Cash-out - Other Primary 5/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918388 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25460835 Refinance Cash-out - Other Primary 5/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918389 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25567548 Refinance Cash-out - Other Primary 4/XX/2009 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918378 Missing Document: Missing Final 1003             Provide missing documentation
25567548 Refinance Cash-out - Other Primary 4/XX/2009 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   3 13918379 Missing Document: Security Instrument not provided             Provide missing documentation
25567548 Refinance Cash-out - Other Primary 4/XX/2009 WI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918380 (Doc Error) Initial GFE not provided              
25567548 Refinance Cash-out - Other Primary 4/XX/2009 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918381 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25567548 Refinance Cash-out - Other Primary 4/XX/2009 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918383 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2008.           Provide missing documentation
25567548 Refinance Cash-out - Other Primary 4/XX/2009 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918384 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25567548 Refinance Cash-out - Other Primary 4/XX/2009 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918390 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $15,824.85 is underdisclosed from calculated Finance Charge of $16,015.52 in the amount of $190.67.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25567548 Refinance Cash-out - Other Primary 4/XX/2009 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918391 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25002660 Refinance Cash-out - Other Primary 1/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918397 Missing Document: Missing Final 1003             Provide missing documentation
25002660 Refinance Cash-out - Other Primary 1/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918399 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25002660 Refinance Cash-out - Other Primary 1/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918401 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25002660 Refinance Cash-out - Other Primary 1/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918402 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25002660 Refinance Cash-out - Other Primary 1/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918403 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25002660 Refinance Cash-out - Other Primary 1/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918405 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25002660 Refinance Cash-out - Other Primary 1/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918406 Miscellaneous Compliance: Non-Material Compliance Exception:   HELOC Agreement in file provides for Termination Date on or within one year of Agreement date with stipulation for automatic renewal annually (unless other termination event occurs). Maturity Date captured as earliest Termination Date provided as Agreement does not provide end date for rolling termination date. Loan is not subject to high cost testing and is outside of TILA SOL.          
25002660 Refinance Cash-out - Other Primary 1/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918407 Missing Document: Appraisal not provided             Provide missing documentation
25627058 Refinance Cash-out - Other Primary 6/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918409 Missing Document: Missing Final 1003             Provide missing documentation
25627058 Refinance Cash-out - Other Primary 6/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918410 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25627058 Refinance Cash-out - Other Primary 6/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918412 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25627058 Refinance Cash-out - Other Primary 6/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918416 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25179857 Refinance Cash-out - Other Primary 1/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918415 Missing Document: Missing Final 1003             Provide missing documentation
25179857 Refinance Cash-out - Other Primary 1/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918417 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25179857 Refinance Cash-out - Other Primary 1/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918418 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25179857 Refinance Cash-out - Other Primary 1/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918420 Miscellaneous Compliance: Non-Material Compliance Exception:   HELOC Agreement in file provides for Termination Date on or within one year of Agreement date with stipulation for automatic renewal annually (unless other termination event occurs). Maturity Date captured as earliest Termination Date provided as Agreement does not provide end date for rolling termination date. Loan is not subject to high cost testing and is outside of TILA SOL.          
25179857 Refinance Cash-out - Other Primary 1/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918423 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25212134 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918408 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25212134 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918411 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25212134 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918413 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25212134 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918414 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25765058 Refinance Cash-out - Other Second Home 8/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918419 Missing Document: Missing Final 1003             Provide missing documentation
25765058 Refinance Cash-out - Other Second Home 8/XX/2003 WI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918421 Miscellaneous Compliance: Non-Material Compliance Exception:   HELOC Agreement in file provides for Termination Date on or within one year of Agreement date with stipulation for automatic renewal annually (unless other termination event occurs). Maturity Date captured as earliest Termination Date provided as Agreement does not provide end date for rolling termination date. Loan is not subject to high cost testing and is outside of TILA SOL.          
25174345 Refinance Rate/Term Primary 4/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918430 Missing Document: Missing Final 1003             Provide missing documentation
25174345 Refinance Rate/Term Primary 4/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918431 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25174345 Refinance Rate/Term Primary 4/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918433 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25174345 Refinance Rate/Term Primary 4/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918435 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
25174345 Refinance Rate/Term Primary 4/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918438 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25174345 Refinance Rate/Term Primary 4/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918441 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25174345 Refinance Rate/Term Primary 4/XX/2004 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918442 Missing Document: Appraisal not provided             Provide missing documentation
25502620 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918425 Missing Document: Missing Final 1003             Provide missing documentation
25502620 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13918426 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25502620 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918427 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25502620 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918428 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25502620 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918434 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2007, prior to three (3) business days from transaction date of 02/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25502620 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918439 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25580998 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918429 Missing Document: Missing Final 1003             Provide missing documentation
25580998 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918432 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25580998 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918436 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25580998 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918437 Miscellaneous Compliance: Non-Material Compliance Exception:   HELOC Agreement in file provides for Termination Date on or within one year of Agreement date with stipulation for automatic renewal annually (unless other termination event occurs). Maturity Date captured as earliest Termination Date provided as Agreement does not provide end date for rolling termination date. Loan is not subject to high cost testing and is outside of TILA SOL.          
25580998 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918440 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25037753 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 MN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918443 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25037753 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918444 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2002.           Provide missing documentation
25037753 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 MN $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918445 Minnesota Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
25037753 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918446 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25037753 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918447 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25037753 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918448 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2002, prior to three (3) business days from transaction date of 07/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25280819 Refinance Cash-out - Debt Consolidation Primary 12/XX/1994 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918449 Missing Document: Missing Final 1003             Provide missing documentation
25280819 Refinance Cash-out - Debt Consolidation Primary 12/XX/1994 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918450 (Doc Error) Initial GFE not provided              
25280819 Refinance Cash-out - Debt Consolidation Primary 12/XX/1994 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918452 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/1994 used as disbursement date for compliance testing.           Provide missing documentation
25280819 Refinance Cash-out - Debt Consolidation Primary 12/XX/1994 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918453 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/1994.           Provide missing documentation
25280819 Refinance Cash-out - Debt Consolidation Primary 12/XX/1994 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918454 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 12.75000% is underdisclosed from calculated APR of 13.09637% outside of 0.125% tolerance. Unable to determine reason for under disclosure due to missing Final TIL itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25280819 Refinance Cash-out - Debt Consolidation Primary 12/XX/1994 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918455 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $73,051.08 is underdisclosed from calculated Finance Charge of $73,916.45 in the amount of $865.37. Unable to determine reason for under disclosure due to missing Final TIL itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25280819 Refinance Cash-out - Debt Consolidation Primary 12/XX/1994 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918456 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25199167 Refinance Rate/Term Primary 11/XX/2001 MN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918457 Missing Document: Missing Final 1003             Provide missing documentation
25199167 Refinance Rate/Term Primary 11/XX/2001 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918459 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25199167 Refinance Rate/Term Primary 11/XX/2001 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918460 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2001.           Provide missing documentation
25199167 Refinance Rate/Term Primary 11/XX/2001 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918461 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2001, prior to three (3) business days from transaction date of 11/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25681827 Refinance Cash-out - Other Primary 12/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918462 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25681827 Refinance Cash-out - Other Primary 12/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918463 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2002.           Provide missing documentation
25681827 Refinance Cash-out - Other Primary 12/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918464 Missouri Prepayment Penalty Missouri Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2% of the prepaid balance. PPP Expired. Prepayment charge not allowed per state MO- - note states 3%, 2%, 1%. Lender is XXX.          
25681827 Refinance Cash-out - Other Primary 12/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918465 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2002, prior to three (3) business days from transaction date of 12/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25681827 Refinance Cash-out - Other Primary 12/XX/2002 MO $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918467 Missing Document: Missing Final 1003             Provide missing documentation
25957374 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 PA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918468 Missing Document: Missing Final 1003             Provide missing documentation
25957374 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918470 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25957374 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918471 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003.           Provide missing documentation
25957374 Refinance Cash-out - Debt Consolidation Primary 6/XX/2003 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918472 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2003, prior to three (3) business days from transaction date of 06/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25733930 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918473 Missing Document: Missing Final 1003             Provide missing documentation
25733930 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918475 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25733930 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918476 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2003.           Provide missing documentation
25733930 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918477 Ohio Prepayment Penalty Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.         (2019-08-15): Updated from: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance.  
25733930 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918478 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2003, prior to three (3) business days from transaction date of 07/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25925114 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918480 Missing Document: Missing Final 1003             Provide missing documentation
25925114 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Credit Open   2 13918481 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
25925114 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918482 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25925114 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918483 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
25925114 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918484 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25925114 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918486 Illinois Prepayment Penalty Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.         (2019-08-15): Updated from: Illinois Prepayment Penalty (Illinois Interest Act): Loan with an interest rate less than 8% contains an impermissible prepayment penalty of greater than 6 months interest calculated on 80% of the original balance.  
25741749 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918479 Missing Document: Missing Final 1003             Provide missing documentation
25741749 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918485 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25741749 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918487 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25741749 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918489 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25741749 Refinance Cash-out - Other Primary 2/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918490 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25152079 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918491 Missing Document: Missing Final 1003             Provide missing documentation
25152079 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918492 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25152079 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918493 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25152079 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918494 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25152079 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918495 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25152079 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918496 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2002.           Provide missing documentation
25152079 Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918497 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2002, prior to three (3) business days from transaction date of 09/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25005740 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918513 Missing Document: Missing Final 1003             Provide missing documentation
25005740 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918517 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2003.           Provide missing documentation
25005740 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918518 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25005740 Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918519 Miscellaneous Compliance: Non-Material Compliance Exception:   HELOC Agreement in file provides for Termination Date on or within one year of Agreement date with stipulation for automatic renewal annually (unless other termination event occurs). Maturity Date captured as earliest Termination Date provided as Agreement does not provide end date for rolling termination date. Loan is not subject to high cost testing and is outside of TILA SOL.          
25398435 Refinance Cash-out - Other Primary 3/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918509 Missing Document: Missing Final 1003             Provide missing documentation
25398435 Refinance Cash-out - Other Primary 3/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918510 (Doc Error) Initial GFE not provided              
25398435 Refinance Cash-out - Other Primary 3/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918511 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25398435 Refinance Cash-out - Other Primary 3/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918512 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
25398435 Refinance Cash-out - Other Primary 3/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918514 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25561656 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918520 Missing Document: Missing Final 1003             Provide missing documentation
25561656 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918521 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25561656 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918523 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25561656 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918525 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25561656 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918530 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25561656 Refinance Cash-out - Other Primary 4/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918532 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25031265 Refinance Cash-out - Other Primary 5/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918522 Missing Document: Missing Final 1003             Provide missing documentation
25031265 Refinance Cash-out - Other Primary 5/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918524 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25031265 Refinance Cash-out - Other Primary 5/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918526 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25031265 Refinance Cash-out - Other Primary 5/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918527 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25031265 Refinance Cash-out - Other Primary 5/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918528 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25031265 Refinance Cash-out - Other Primary 5/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918529 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25031265 Refinance Cash-out - Other Primary 5/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918531 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25372168 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918533 Missing Document: Missing Final 1003             Provide missing documentation
25372168 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918534 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25372168 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918535 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Signature date was not found.         Provide missing documentation
25372168 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918536 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25372168 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918538 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25372168 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918539 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25652303 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918540 Missing Document: Missing Final 1003             Provide missing documentation
25652303 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918541 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25652303 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918542 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25652303 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918543 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25652303 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918544 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
25652303 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918545 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25652303 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918546 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2004, prior to three (3) business days from transaction date of 08/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25652303 Refinance Cash-out - Other Primary 8/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918547 Missing Document: Appraisal not provided             Provide missing documentation
25284413 Refinance UTD Primary 10/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918548 Missing Document: Missing Final 1003             Provide missing documentation
25284413 Refinance UTD Primary 10/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918549 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25284413 Refinance UTD Primary 10/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918550 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25284413 Refinance UTD Primary 10/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918551 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25284413 Refinance UTD Primary 10/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918552 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25284413 Refinance UTD Primary 10/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918553 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25284413 Refinance UTD Primary 10/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918554 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25531681 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918566 Missing Document: Missing Final 1003             Provide missing documentation
25531681 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918568 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25531681 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918572 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
25531681 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918575 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2004, prior to three (3) business days from transaction date of 12/XX/2004.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25531681 Refinance Cash-out - Other Primary 12/XX/2004 GA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918577 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918555 Missing Document: Missing Final 1003             Provide missing documentation
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918556 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918557 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918558 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918559 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918560 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918561 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918562 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25691203 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918563 Missing Document: Appraisal not provided             Provide missing documentation
25741937 Refinance Cash-out - Other Primary 12/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918564 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25741937 Refinance Cash-out - Other Primary 12/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918565 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25741937 Refinance Cash-out - Other Primary 12/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918567 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25741937 Refinance Cash-out - Other Primary 12/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918570 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2004 used as disbursement date for compliance testing.           Provide missing documentation
25741937 Refinance Cash-out - Other Primary 12/XX/2004 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918573 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25281424 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918569 Missing Document: Missing Final 1003             Provide missing documentation
25281424 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918571 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25281424 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918574 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25281424 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918576 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25281424 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918578 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25281424 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918579 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25281424 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918580 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25281424 Refinance Cash-out - Other Primary 3/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918581 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.            
25975119 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918587 Missing Document: Missing Final 1003             Provide missing documentation
25975119 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918591 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25975119 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918594 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25975119 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918596 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25975119 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918597 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25975119 Refinance Cash-out - Other Primary 9/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918599 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25174627 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918583 Missing Document: Missing Final 1003             Provide missing documentation
25174627 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918584 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25174627 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918585 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25174627 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918586 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25174627 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918590 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25174627 Refinance Cash-out - Other Primary 8/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918593 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25364887 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918589 Missing Document: Missing Final 1003             Provide missing documentation
25364887 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918592 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25364887 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918595 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25364887 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918598 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
25364887 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918600 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25226370 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918608 Missing Document: Missing Final 1003             Provide missing documentation
25226370 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918609 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25226370 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918610 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25226370 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918611 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25226370 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918612 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25226370 Refinance Cash-out - Other Primary 7/XX/2005 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918613 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25468510 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918588 Missing Document: Missing Final 1003             Provide missing documentation
25468510 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918602 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25468510 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918603 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25468510 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918604 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25468510 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918605 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25468510 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918606 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25468510 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918607 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25090511 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918614 Missing Document: Missing Final 1003             Provide missing documentation
25090511 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918615 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25090511 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918616 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25090511 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918617 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25090511 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918618 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
25090511 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918619 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25090511 Refinance Cash-out - Other Primary 6/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918620 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25030186 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918621 Missing Document: Missing Final 1003             Provide missing documentation
25030186 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918622 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25030186 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918623 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25030186 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918624 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25030186 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918625 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25030186 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918626 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25958301 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918630 Missing Document: Missing Final 1003             Provide missing documentation
25958301 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918632 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25958301 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918634 TILA HELOC - Billing Rights Disclosure Missing Unable to test billing rights due to missing information.           Provide missing documentation
25958301 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918636 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25958301 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918638 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
25958301 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918639 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25958301 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918640 Incorrect Right To Cancel Form Used - G-6 or G-9 used on a Refinance HELOC Transaction Truth in Lending Act: Notice of Right to Cancel was executed on the G-6 or G-9 form. Elevate to Compliance for review.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25958301 Refinance Cash-out - Other Primary 3/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918641 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25770396 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918628 Missing Document: Missing Final 1003             Provide missing documentation
25770396 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918629 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25770396 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918631 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
25770396 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918633 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25770396 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918635 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25770396 Refinance Cash-out - Other Primary 9/XX/2006 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918637 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25988872 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918642 Missing Document: Missing Final 1003             Provide missing documentation
25988872 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918643 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25988872 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918644 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25988872 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918645 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25988872 Refinance Cash-out - Other Primary 4/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918646 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918647 Missing Document: Missing Final 1003             Provide missing documentation
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918648 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918649 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918650 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918651 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918652 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918653 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918654 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918656 TILA - Incorrect Right To Cancel Form Used - G-5 Used on Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The G-5 or H-8 form was used, the G-7 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25082612 Refinance Cash-out - Other Primary 5/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918658 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25667853 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918655 Missing Document: Missing Final 1003             Provide missing documentation
25667853 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918657 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25667853 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918659 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25667853 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918660 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25667853 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918661 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25667853 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918662 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25667853 Refinance Cash-out - Other Primary 7/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918663 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918664 Missing Document: Missing Final 1003             Provide missing documentation
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918665 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918666 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918667 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918668 TILA HELOC - HELOC Brochure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918669 TILA HELOC - Important Terms Disclosure Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918670 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918671 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918672 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918673 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25182595 Refinance UTD Primary 6/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918674 Illinois Prepayment Penalty Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.         (2019-08-15): Updated from: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%.  
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918675 Missing Document: Missing Final 1003             Provide missing documentation
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918676 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918677 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918678 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918679 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918680 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918681 Right of Rescission Timing HELOC - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. Missing signature date.         Provide missing documentation
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918682 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25719933 Refinance Cash-out - Other Primary 7/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918683 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25751572 Refinance Cash-out - Other Primary 9/XX/2007 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918684 Missing Document: Missing Final 1003             Provide missing documentation
25751572 Refinance Cash-out - Other Primary 9/XX/2007 IN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918686 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25751572 Refinance Cash-out - Other Primary 9/XX/2007 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918688 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25751572 Refinance Cash-out - Other Primary 9/XX/2007 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918690 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25751572 Refinance Cash-out - Other Primary 9/XX/2007 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918692 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25600036 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918685 Missing Document: Missing Final 1003             Provide missing documentation
25600036 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918689 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25600036 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918691 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25600036 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918693 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25600036 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Credit Credit Documentation Credit Open   3 13918694 Missing Document: Credit Report not provided             Provide missing documentation
25600036 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918695 Illinois Prepayment Penalty Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.         (2019-08-15): Updated from: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%.  
25600036 Refinance Cash-out - Other Primary 12/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918696 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25076855 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918697 Missing Document: Missing Final 1003             Provide missing documentation
25076855 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918701 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25076855 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918703 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25076855 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918705 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25076855 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918707 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25076855 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918708 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25076855 Refinance Cash-out - Other Primary 10/XX/2007 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918709 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25689551 Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918698 Missing Document: Missing Final 1003             Provide missing documentation
25689551 Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918700 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25689551 Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918702 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25689551 Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918704 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25689551 Refinance Cash-out - Other Primary 1/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918706 Illinois Prepayment Penalty Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.         (2019-08-15): Updated from: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%.  
25129767 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918710 Missing Document: Missing Final 1003             Provide missing documentation
25129767 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918712 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25129767 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918713 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25129767 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918714 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25129767 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918715 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25129767 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918716 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25903525 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918720 Missing Document: Missing Final 1003             Provide missing documentation
25903525 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918723 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25903525 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918725 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25903525 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918726 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25903525 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918728 Illinois Prepayment Penalty Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%.            
25903525 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918731 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
25903525 Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918732 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25388021 Refinance Cash-out - Other Primary 3/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918717 Missing Document: Missing Final 1003             Provide missing documentation
25388021 Refinance Cash-out - Other Primary 3/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918718 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25388021 Refinance Cash-out - Other Primary 3/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918719 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25388021 Refinance Cash-out - Other Primary 3/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918722 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25388021 Refinance Cash-out - Other Primary 3/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918724 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25388021 Refinance Cash-out - Other Primary 3/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918727 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25388021 Refinance Cash-out - Other Primary 3/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918729 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25388021 Refinance Cash-out - Other Primary 3/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918730 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25179466 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918733 Missing Document: Missing Final 1003             Provide missing documentation
25179466 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918734 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25179466 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918735 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25179466 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918736 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25179466 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918737 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25179466 Refinance Cash-out - Other Primary 3/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918738 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918739 Missing Document: Missing Final 1003             Provide missing documentation
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918741 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918742 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918744 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918746 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008.           Provide missing documentation
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918748 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918750 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918751 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25433292 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918754 Missing Document: Appraisal not provided             Provide missing documentation
25248197 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918740 Missing Document: Missing Final 1003             Provide missing documentation
25248197 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918743 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25248197 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918745 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
25248197 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918747 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918749 Missing Document: Missing Final 1003             Provide missing documentation
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918752 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918753 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918755 Costs and Fees Not Disclosed In HELOC Agreement Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.            
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918756 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918757 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918758 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918759 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25311526 Refinance Cash-out - Other Primary 5/XX/2008 IL $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918760 Missing Document: Appraisal not provided             Provide missing documentation
25484795 Refinance Cash-out - Other Primary 10/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918761 Missing Document: Missing Final 1003             Provide missing documentation
25484795 Refinance Cash-out - Other Primary 10/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918762 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25484795 Refinance Cash-out - Other Primary 10/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918763 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25484795 Refinance Cash-out - Other Primary 10/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   3 13918764 Federal HELOC Itemization of Final Costs and Fees Not Provided Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.            
25484795 Refinance Cash-out - Other Primary 10/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918765 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25484795 Refinance Cash-out - Other Primary 10/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918766 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2008. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25484795 Refinance Cash-out - Other Primary 10/XX/2008 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918767 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25587631 Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918768 Missing Document: Missing Final 1003             Provide missing documentation
25587631 Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   2 13918769 (Doc Error) TIL Error: Borrower signature not dated.              
25587631 Refinance Cash-out - Other Primary 9/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918770 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918771 Missing Document: Missing Final 1003             Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918773 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 13918776 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918777 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2013 used as disbursement date for compliance testing.           Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918778 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2013.           Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918779 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918780 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918781 Wisconsin Late Charge Grace Period Testing > $25,000 Note grace period less than minimum per state.            
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918782 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2013, prior to three (3) business days from transaction date of 07/XX/2013.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Property - Appraisal Appraisal Documentation Credit Open   3 13918783 Missing Document: Appraisal not provided             Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918784 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918785 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918786 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918787 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918788 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918789 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918790 2011 TIL-MDIA - P&I Payment Inaccurate Truth in Lending Act (MDIA 2011): Payment amount on the Final TIL does not match the P&I payment for the loan.            
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918791 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.            
25187179 Refinance Cash-out - Other Primary 7/XX/2013 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918792 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25253032 Purchase Primary 2/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918772 Missing Document: Missing Final 1003             Provide missing documentation
25253032 Purchase Primary 2/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918774 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25253032 Purchase Primary 2/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918775 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25982909 Purchase Primary 5/XX/2006 FL $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918794 (Doc Error) Initial GFE not provided              
25294637 Purchase Primary 3/XX/2007 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918795 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $177,324.93 is underdisclosed from calculated Finance Charge of $177,984.93 in the amount of $660.00. Unable to determine reason for under disclosure due to missing Final TIL itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25198745 Purchase Primary 1/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918793 Missing Document: Missing Final 1003             Provide missing documentation
25114344 Purchase Primary 6/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918796 Missing Document: Missing Final 1003             Provide missing documentation
25033937 Purchase Primary 10/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918799 Missing Document: Missing Final 1003             Provide missing documentation
25033937 Purchase Primary 10/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918800 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $161,530.84 is underdisclosed from calculated Finance Charge of $161,897.84 in the amount of $367.00. Itemization not provided. Unable to verify reason for under disclosure due to missing itemization. Fees verified.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25931811 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918797 Missing Document: Missing Final 1003             Provide missing documentation
25931811 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918798 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $166,553.01 is underdisclosed from calculated Finance Charge of $167,196.96 in the amount of $643.95. Unable to determine the source of the under disclosure as the file is missing the Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25224868 Purchase Primary 3/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918804 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $110,043.55 is underdisclosed from calculated Finance Charge of $110,148.55 in the amount of $105.00. All fees have been checked, unable to denote the source of the under disclosure as the file did not contain the Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25442036 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918801 Missing Document: Missing Final 1003             Provide missing documentation
25442036 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918802 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $201,893.34 is underdisclosed from calculated Finance Charge of $201,963.35 in the amount of $70.01. UTD due to missing itemization         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25442036 Refinance Cash-out - Other Primary 12/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918803 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25916465 Purchase Primary 7/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918805 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25813889 Refinance Rate/Term Primary 9/XX/2013 MO $XXX Loan Review Complete 08/15/2019 Compliance Miscellaneous Compliance Compliance Open   2 13918808 (Doc Error) Initial GFE not provided              
25813889 Refinance Rate/Term Primary 9/XX/2013 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918809 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25813889 Refinance Rate/Term Primary 9/XX/2013 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918810 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25813889 Refinance Rate/Term Primary 9/XX/2013 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918811 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25813889 Refinance Rate/Term Primary 9/XX/2013 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918812 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25813889 Refinance Rate/Term Primary 9/XX/2013 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918813 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25813889 Refinance Rate/Term Primary 9/XX/2013 MO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918814 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25040692 Purchase Primary 10/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918806 Missing Document: Missing Final 1003             Provide missing documentation
25040692 Purchase Primary 10/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918807 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25518631 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918815 Missing Document: Missing Final 1003             Provide missing documentation
25518631 Purchase Primary 11/XX/2008 FL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918816 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25487580 Refinance Rate/Term Primary 3/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918817 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
25487580 Refinance Rate/Term Primary 3/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918818 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25487580 Refinance Rate/Term Primary 3/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918819 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,546,451.34 is underdisclosed from calculated Finance Charge of $1,551,098.85 in the amount of $4,647.51. Unable to determine reason for under disclosure due to missing Final TIL itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25235304 Purchase Primary 2/XX/1996 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918820 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25235304 Purchase Primary 2/XX/1996 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918821 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
25051617 Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918823 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25051617 Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918824 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25051617 Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918825 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2001, prior to three (3) business days from transaction date of 01/XX/2001.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25051617 Refinance Cash-out - Debt Consolidation Primary 1/XX/2001 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918826 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25524838 Purchase Primary 1/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918822 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $89,591.04 is underdisclosed from calculated Finance Charge of $89,900.04 in the amount of $309.00. unable to determine reason for under disclosure due to missing itemization         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25997113 Refinance Cash-out - Other Second Home 12/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918828 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
25707901 Purchase Primary 7/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918827 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
25356368 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918830 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25425820 Purchase Primary 11/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918831 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25425820 Purchase Primary 11/XX/2005 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918832 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25489012 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918835 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
25489012 Refinance Cash-out - Other Primary 7/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918836 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25090178 Refinance Cash-out - Debt Consolidation Second Home 6/XX/2006 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918834 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25133715 Purchase Primary 3/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918838 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25133715 Purchase Primary 3/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918839 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25133715 Purchase Primary 3/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918840 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25305502 Purchase Primary 7/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918844 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25305502 Purchase Primary 7/XX/2006 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918845 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25284080 Refinance Rate/Term Primary 4/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918846 Missing Document: Missing Final 1003             Provide missing documentation
25284080 Refinance Rate/Term Primary 4/XX/2008 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918847 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25182350 Purchase Primary 6/XX/2006 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918848 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
25182350 Purchase Primary 6/XX/2006 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918849 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25895885 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918850 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
25895885 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918851 ARM Disclosure Status Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
25895885 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918852 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25895885 Refinance Cash-out - Other Primary 10/XX/2007 AZ $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918853 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $467,756.89 is underdisclosed from calculated Finance Charge of $467,810.21 in the amount of $53.32. unable to determine reason for under disclosure due to missing itemization         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25165402 Purchase Primary 2/XX/2009 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918856 ARM Disclosure Timing Test TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
25165402 Purchase Primary 2/XX/2009 IN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918858 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25681966 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918857 Connecticut Prepayment Penalty Test Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP is expired. Prepayment prohibited per state (OH).       (2019-08-15): Updated from: Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.  
25681966 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918859 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
25681966 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918862 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
25681966 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918863 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25681966 Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CT $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918864 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
25510957 Refinance Cash-out - Other Primary 5/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918860 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2001.           Provide missing documentation
25510957 Refinance Cash-out - Other Primary 5/XX/2001 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918861 Ohio Prepayment Penalty Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. Per Ohio PPP guidelines, maximum late charge within first five years is 1% of the original principal amount. Subject transaction exceeded this with a PPP for five years at 5,4,3,2,1 of prepaid amount          
25360071 Refinance Cash-out - Debt Consolidation Primary 9/XX/1999 MI $XXX Loan Review Complete 08/15/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 13918865 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25360071 Refinance Cash-out - Debt Consolidation Primary 9/XX/1999 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918866 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $121,964.79 is underdisclosed from calculated Finance Charge of $122,248.79 in the amount of $284.00. Unable to determine reason for under disclosure due to missing Final TIL itemization.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25360071 Refinance Cash-out - Debt Consolidation Primary 9/XX/1999 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918867 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/1999.           Provide missing documentation
25360071 Refinance Cash-out - Debt Consolidation Primary 9/XX/1999 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918868 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25360071 Refinance Cash-out - Debt Consolidation Primary 9/XX/1999 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918869 Michigan Prepayment Penalty Michigan Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP Expired. Prepayment exceeds allowed per state MI - max prepayment charge for MI loan is 1% - note states 3%, 2%, 1%. Lender is XXX.       (2019-08-15): Updated from: Michigan Prepayment Penalty: First lien loan contains an impermissible prepayment penalty of greater than 1% of the prepaid balance.  
25273667 Refinance Cash-out - Debt Consolidation Primary 10/XX/2001 WV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918870 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2001.           Provide missing documentation
25037456 Refinance Cash-out - Other Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918872 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
25037456 Refinance Cash-out - Other Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918873 Ohio Prepayment Penalty Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. PPP Expired. Loan contains an impermissible prepayment penalty of greater than 1% of the original balance.- note states 3%, 2%, 1%. Lender is XXX.          
25037456 Refinance Cash-out - Other Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918875 ARM Disclosure Timing Test Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.           No Defined Cure
25037456 Refinance Cash-out - Other Primary 5/XX/2006 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918876 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25789615 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918871 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25789615 Refinance Cash-out - Debt Consolidation Primary 7/XX/2002 IL $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918874 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2002, prior to three (3) business days from transaction date of 07/XX/2002.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25420881 Refinance Cash-out - Other Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918878 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
25420881 Refinance Cash-out - Other Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918879 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25420881 Refinance Cash-out - Other Primary 11/XX/2006 NV $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918880 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25347291 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 IL $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918882 Missing Document: Missing Final 1003             Provide missing documentation
25267184 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918883 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP expired. Not permitted per state (OH).       (2019-08-15): Updated from: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)  
25157855 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918884 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
25157855 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918885 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.            
25157855 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918887 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25157855 Refinance Cash-out - Debt Consolidation Primary 7/XX/2003 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918889 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $121,141.29 is underdisclosed from calculated Finance Charge of $121,297.30 in the amount of $156.01. Finance charge under disclosed due to fees. Per Itemization, Disbursement Fee to Title $150.00 was not disclosed, but was listed as paid to Title on the HUD.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25225552 Refinance Rate/Term Primary 5/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918886 Missing Document: Missing Final 1003             Provide missing documentation
25225552 Refinance Rate/Term Primary 5/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918888 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
25225552 Refinance Rate/Term Primary 5/XX/2004 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918890 Ohio Prepayment Penalty Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. PPP expired. Prepayment of 3/2/1% exceeds the limits of 1% per state (OH). Lender is XXX.          
25065162 Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 PA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918891 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
25341259 Refinance Rate/Term Primary 2/XX/2006 CO $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918892 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
25098486 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918893 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
25098486 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918894 Wisconsin Prepayment Penalty Wisconsin Prepayment Penalty: First lien loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP Expired. First lien loan contains an impermissible prepayment penalty of greater than 60 days interest on 80% of the original amount of the loan.- note states 3%, 2%, 1%. Lender is XXX.       (2019-08-15): Updated from: Wisconsin Prepayment Penalty: First lien loan contains an impermissible prepayment penalty of greater than 60 days interest on 80% of the original amount of the loan.  
25123119 Refinance Cash-out - Home Improvement Primary 7/XX/2007 OR $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918896 Missing Document: Missing Final 1003             Provide missing documentation
25123119 Refinance Cash-out - Home Improvement Primary 7/XX/2007 OR $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918897 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
25123119 Refinance Cash-out - Home Improvement Primary 7/XX/2007 OR $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918898 Oregon Prepayment Penalty Max Prepay Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan. no restrictions          
25319475 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918899 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
25319475 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918900 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
25319475 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 WI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918901 Wisconsin Prepayment Penalty Wisconsin Prepayment Penalty: First lien loan contains an impermissible prepayment penalty of greater than 60 days interest on 80% of the original amount of the loan. PPP Expired. Prepayment charge not allowed per state WI - max prepayment charge for WI loan is 60 days interest -Note states 6 months interest. Lender is XXX.          
25055433 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918902 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
25055433 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918904 Ohio Prepayment Penalty Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP Expired. Prepayment charge not allowed per state OH - max prepayment charge for OH loan is 1% - Note states 3%, 2%, 1%. Lender is XXX.       (2019-08-15): Updated from: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance.  
25055433 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918905 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25055433 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918906 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.            
25557893 Refinance Rate/Term Primary 12/XX/2007 MN $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918914 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
25004140 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Closing / Title Compliance Open   3 13918903 Missing Document: HUD-1 Addendum not provided             Provide missing documentation
25004140 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918907 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008.           Provide missing documentation
25004140 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918908 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25004140 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918909 Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.            
25004140 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 OH $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918910 Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.            
25182252 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918912 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
25182252 Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NC $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918913 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. 5% Late fee exceeds 4% maximum per State NC          
25925135 Refinance Rate/Term Primary 6/XX/2003 OH $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918911 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
25837598 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918915 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
25837598 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918916 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25837598 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918917 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25837598 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918918 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
25837598 Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 MI $XXX Loan Review Complete 08/15/2019 Compliance State Compliance Compliance Open   2 13918919 Michigan Prepayment Penalty Michigan Prepayment Penalty: First lien loan contains an impermissible prepayment penalty of greater than 1% of the prepaid balance. max prepayment charge for WI loan is 1% - note states 6 months interest. Lender is XXX.          
25806386 Refinance Cash-out - Debt Consolidation Primary 12/XX/2003 NC $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918920 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
25409832 Refinance Cash-out - Debt Consolidation Primary 9/XX/2003 KY $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918921 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.           Provide missing documentation
25269819 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Credit Open   2 13918929 Missing Document: Missing Final 1003             Provide missing documentation
25269819 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Loan Package Documentation Application / Processing Compliance Open   2 13918930 Missing Document: Missing Lender's Initial 1003   Client approved use of alternative application document for initial application date.         Provide missing documentation
25269819 Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 WA $XXX Loan Review Complete 08/15/2019 Compliance Federal Compliance Compliance Open   2 13918931 Final TIL Estimated Final TIL disclosure found in file had markings indicating one or more entries are estimates.            
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Application / Processing Credit Open   2 14027923 Missing Document: Missing Final 1003             Provide missing documentation
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Closing / Title Credit Open   3 14028031 Missing Document: Security Instrument not provided             Provide missing documentation
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Closing / Title Compliance Open   3 14028136 Missing Document: Note - Subject Lien not provided             Provide missing documentation
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Loan File Compliance Open   3 14028802 (Missing Doc) Incomplete loan images/file   Loan images are for a loan from 07/XX/2007, tape data indicates the subject loan closed 05/XX/2008.         Provide missing documentation
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Application / Processing Compliance Open   2 14028805 Missing Document: Missing Lender's Initial 1003             Provide missing documentation
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Closing / Title Compliance Open   3 14028809 Missing Final HUD-1             Provide missing documentation
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Closing / Title Compliance Open   3 14028813 TILA - Final TIL Missing             Provide missing documentation
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Closing / Title Credit Open   3 14028815 Title: Evidence of title is missing             Provide missing documentation
25150123 UTD UTD Investment   OR $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Application / Processing Credit Open   3 14028818 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25804721 Refinance Cash-out - Other Primary 4/XX/2008 FL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14031683 Missing Document: Missing Final 1003             Provide missing documentation
25804721 Refinance Cash-out - Other Primary 4/XX/2008 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031945 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25804721 Refinance Cash-out - Other Primary 4/XX/2008 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031947 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25804721 Refinance Cash-out - Other Primary 4/XX/2008 FL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14044554 Initial Rate Lock rate date is not documented in file.              
25733259 Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14038475 Initial Rate Lock rate date is not documented in file.              
25733259 Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038633 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25733259 Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038635 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25733259 Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14045293 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25733259 Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Closing / Title Credit Open   2 14045320 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25733259 Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14045333 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25733259 Purchase Primary 7/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14045338 (Doc Error) Initial GFE not provided              
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Application / Processing Credit Open   2 14026188 Missing Document: Missing Final 1003             Provide missing documentation
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14026845 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Closing / Title Credit Open   2 14026869 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14026871 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Credit General Credit Open   3 14026968 Initial Rate Lock rate date is not documented in file.              
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14026997 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14026998 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14027000 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14027001 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14027003 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25059321 Refinance Rate/Term Primary 3/XX/2008 OK $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044311 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25509837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14032096 Missing Document: Missing Final 1003             Provide missing documentation
25509837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14032378 Initial Rate Lock rate date is not documented in file.              
25509837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045087 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25509837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045088 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25509837 Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045089 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25745283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NC $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Application / Processing Credit Open   2 14025878 Missing Document: Missing Final 1003             Provide missing documentation
25745283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NC $XXX Loan Review Complete 09/30/2019 Credit General Credit Open   3 14026051 Initial Rate Lock rate date is not documented in file.              
25745283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NC $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14026061 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25745283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044705 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25745283 Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044706 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25812878 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TN $XXX Loan Review Complete 09/30/2019 Compliance Miscellaneous Compliance Compliance Open   2 14027004 (Doc Error) Initial GFE not provided              
25812878 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TN $XXX Loan Review Complete 09/30/2019 Credit General Credit Open   3 14027145 Initial Rate Lock rate date is not documented in file.              
25812878 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TN $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14027510 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25812878 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TN $XXX Loan Review Complete 09/30/2019 Compliance State Compliance Compliance Open   2 14027513 Tennessee Prepayment Penalty Test Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines.            
25812878 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TN $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14027514 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25812878 Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 TN $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14027515 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14032202 Missing Document: Missing Final 1003             Provide missing documentation
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14032262 (Doc Error) Initial GFE not provided              
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14032264 Initial Rate Lock rate date is not documented in file.              
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032463 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032464 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14032468 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14032469 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032470 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032471 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032472 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25374393 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14045132 (TX50(a)(6)) Texas Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period) Texas Constitution Section 50(a)(6): Loan closed prior to expiration of 12-day cooling off period.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14044556 Missing Document: Missing Final 1003             Provide missing documentation
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14044631 Initial Rate Lock rate date is not documented in file.              
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14044633 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044715 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14060460 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Closing / Title Credit Open   2 14060489 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14060490 (Doc Error) Initial GFE not provided              
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14060492 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14060493 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14060494 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.           Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14060495 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14060496 (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14060497 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14060498 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14060499 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14060500 (TX50(a)(6)) AFMV value and appraisal value not provided Texas Constitution Section 50(a)(6): Unable to determine compliance with 80% CLTV limitation due to missing AFMV or value on AFMV and no appraisal or other evaluation in file to verify property value/LTV.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14060501 (TX50(a)(6)) and/or (TX50(t)) No Title in the loan file or Title indicates other lien(s) exist Texas Constitution Section 50(a)(6): Title, title search/report, or other documentation to verify additional liens against property not in file. Unable to conclusively determine compliance with 80% CLTV limitation.           Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead. If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14060502 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Notice of Right to Rescind Not Provided           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14060503 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Notice of Right to Rescind Not Provided to All Owners/Owners Spouse           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14060504 (TX50(a)(6)) Texas Cash-out Loan (Home Equity loan on homestead that exceeds the Acreage limits) Texas Constitution Section 50(a)(6): Unable to determine if the home equity loan on homestead exceeds the allowable acreage due to missing documentation.           Send the owner a written acknowledgement that the lien is valid only in the amount that the extension of credit secured by the homestead and not to the extent it is secured by additional real or personal property other than the homestead.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14060505 (TX50(a)(6)) Texas Cash-out Loan (Property is designated for agricultural use (other than primarily for production of milk)) Texas Constitution Section 50(a)(6): Unable to test agricultural use due to missing documentation.           Confirm Agriculture use of the Property. This is not curable if the Agricultural use is actual, can be downgraded based on a letter to the consumer waiving any security interest in the agricultural aspect of the subject property. If the Agricultural use is unknown, can be cured with the letter to the consumer.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14060506 (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) Texas Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14060507 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25843260 Refinance Cash-out - Other Primary 11/XX/2005 TX $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14060508 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14044644 Missing Document: Missing Final 1003             Provide missing documentation
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14045095 Initial Rate Lock rate date is not documented in file.              
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14045116 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14045118 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045149 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045150 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14057293 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14057294 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.           Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14057295 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14057296 (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14057297 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14057298 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14057299 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14057300 (TX50(a)(6)) AFMV value and appraisal value not provided Texas Constitution Section 50(a)(6): Unable to determine compliance with 80% CLTV limitation due to missing AFMV or value on AFMV and no appraisal or other evaluation in file to verify property value/LTV.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14057301 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Notice of Right to Rescind Not Provided           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   3 14057302 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Notice of Right to Rescind Not Provided to All Owners/Owners Spouse           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14057304 (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) Texas Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14057306 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14057307 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14057313 (Doc Error) Initial GFE not provided              
25515656 Refinance Cash-out - Other Primary 8/XX/2006 TX $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14059737 (TX50(a)(6)) and/or (TX50(t)) No Title in the loan file or Title indicates other lien(s) exist Texas Constitution Section 50(a)(6): Title, title search/report, or other documentation to verify additional liens against property not in file. Unable to conclusively determine compliance with 80% CLTV limitation.           Confirm whether additional lien exists on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. If the other lien is a 50(a)(6), notify the consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead. If the other lien is not a 50(a)(6), confirm the total CLTV does not exceed 80%, If the CLTV exceeds 80%, send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%.
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14044947 Missing Document: Missing Final 1003             Provide missing documentation
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14045178 (Doc Error) Initial GFE not provided              
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14045182 Final Title Policy is missing. No evidence of title in file.   File does not contain either Preliminary or Final Title.         Provide missing documentation
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14045185 Initial Rate Lock rate date is not documented in file.              
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045215 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045216 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045217 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045218 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14045219 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.           Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14045220 (TX50(a)(6)) Texas Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period) Texas Constitution Section 50(a)(6): Loan closed prior to expiration of 12-day cooling off period.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14045221 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14045222 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.           To Remediate: Lender must either sign the AFMV. Best practices would be to deliver to the borrower the required disclosure signed by the lender or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14045223 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14045224 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14045225 (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) Texas Constitution Section 50(a)(6): Unable to test refinance within twelve (12) month period due to missing documentation.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
25526428 Refinance Cash-out - Other Primary 7/XX/2007 TX $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045226 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Application / Processing Credit Open   2 14025998 Missing Document: Missing Final 1003             Provide missing documentation
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14026151 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Compliance Miscellaneous Compliance Compliance Open   2 14026205 (Doc Error) Initial GFE not provided              
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Compliance Miscellaneous Compliance Compliance Open   2 14026207 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14026218 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Credit General Credit Open   3 14026225 Initial Rate Lock rate date is not documented in file.              
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14026418 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   3 14026419 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14026420 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14026422 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14026423 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25781112 UTD UTD UTD 4/XX/2006 OH $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14026424 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25897717 Refinance Cash-out - Other Primary 7/XX/2004 KS $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14032650 Missing Document: Missing Final 1003             Provide missing documentation
25897717 Refinance Cash-out - Other Primary 7/XX/2004 KS $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Compliance Open   2 14033559 (Doc Error) Loan was portrayed as first lien but found to be a second lien   Final Title indicates there is a previous mortgage for which there is no coverage which puts this lien in second position.          
25897717 Refinance Cash-out - Other Primary 7/XX/2004 KS $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14033569 Initial Rate Lock rate date is not documented in file.              
25897717 Refinance Cash-out - Other Primary 7/XX/2004 KS $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14033650 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25897717 Refinance Cash-out - Other Primary 7/XX/2004 KS $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14033653 Kansas Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 5% late charge exceeds the lesser than 5% or $25 maximum per state (KS)          
25897717 Refinance Cash-out - Other Primary 7/XX/2004 KS $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14033654 Kansas Prepayment Penalty Kansas Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 6 months. PPP Expired. Prepayment charge not allowed per state (KS) - max prepayment charge for (KS) is 0% - note states 3%, 2% and 1% declining. Lender is XXX.          
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14044869 Missing Document: Missing Final 1003             Provide missing documentation
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14045501 Initial Rate Lock rate date is not documented in file.              
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045507 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.25560% or Final Disclosure APR of 9.25000% is in excess of allowable threshold of APOR 5.43% + 1.5%, or 6.93000%. Non-Compliant Higher Priced Mortgage Loan. The loan file contains the following third-party documentation: 1) income/asset verification (paystubs) 2) debts/liabilities verification and other mortgage obligations (credit report). Although the aforementioned documents are in file, unable to conclusively ascertain compliance with HPML ability to repay provision.          
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045508 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. File is missing a verbal verification of employment.          
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045509 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045511 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045513 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045514 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045515 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045516 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045517 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25111758 Refinance Cash-out - Debt Consolidation Primary 4/XX/2010 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045518 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25479983 Refinance Cash-out - Debt Consolidation Primary 1/XX/2008 NJ $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14044688 Initial Rate Lock rate date is not documented in file.              
25964457 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NC $XXX Loan Review Complete 09/30/2019 Compliance State Compliance Compliance Open   3 14028079 (State HPML Provision) North Carolina Rate Spread Home Loan (Ability to Repay Requirements Not Met) North Carolina Rate Spread Home Loan: Borrower's ability to repay not verified with reliable documentation. File is missing 3rd party documentation for the borrower's income and does not have a VVOE.          
25964457 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NC $XXX Loan Review Complete 09/30/2019 Compliance State Compliance Compliance Open   3 14028080 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 12.13348% or Final Disclosure APR of 12.13000% is in excess of allowable threshold of US Treasury 4.5800% + 3%, or 7.58000% and Conventional Mortgage Rate 5.85000% + 1.75%, or 7.60000%. Non-Compliant Rate Spread Home Loan. The loan file only contains the following third-party documentation: underwriting documentation/repayment ability analysis (approval). Although the aforementioned documents are in file, unable to conclusively ascertain compliance with HPML ability to repay provision.          
25964457 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NC $XXX Loan Review Complete 09/30/2019 Credit General Credit Open   3 14028170 Initial Rate Lock rate date is not documented in file.              
25964457 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NC $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14028178 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25964457 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044601 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $754,479.58 is underdisclosed from calculated Finance Charge of $754,759.73 in the amount of $280.15. The payment shown on the note does not correspond to the note terms.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25964457 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 NC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14055416 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25603103 Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14032165 Missing Document: Missing Final 1003             Provide missing documentation
25603103 Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14032559 Initial Rate Lock rate date is not documented in file.              
25603103 Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032585 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25603103 Refinance Rate/Term Primary 11/XX/2007 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032586 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25853012 Refinance Rate/Term Primary 10/XX/2007 IL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14032563 Missing Document: Missing Final 1003             Provide missing documentation
25853012 Refinance Rate/Term Primary 10/XX/2007 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032750 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25853012 Refinance Rate/Term Primary 10/XX/2007 IL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14045450 Initial Rate Lock rate date is not documented in file.              
25785071 Refinance Cash-out - Debt Consolidation Primary 11/XX/2008 MA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14034083 Initial Rate Lock rate date is not documented in file.              
25588523 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 VA $XXX Loan Review Complete 09/30/2019 Credit General Credit Open   3 14027389 Initial Rate Lock rate date is not documented in file.              
25588523 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 VA $XXX Loan Review Complete 09/30/2019 Loan Package Documentation Application / Processing Credit Open   2 14027425 Missing Document: Missing Final 1003             Provide missing documentation
25588523 Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 VA $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14027545 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25125969 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14031334 Missing Document: Missing Final 1003             Provide missing documentation
25125969 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031389 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25125969 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14040044 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (PA)          
25125969 Refinance Cash-out - Debt Consolidation Primary 5/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14044460 Initial Rate Lock rate date is not documented in file.              
25340964 Refinance Cash-out - Other Primary 6/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14039963 Missing Document: Missing Final 1003             Provide missing documentation
25340964 Refinance Cash-out - Other Primary 6/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042137 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25340964 Refinance Cash-out - Other Primary 6/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14042140 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state PA          
25340964 Refinance Cash-out - Other Primary 6/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14042501 Initial Rate Lock rate date is not documented in file.              
25340964 Refinance Cash-out - Other Primary 6/XX/2008 PA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045364 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25845694 UTD UTD UTD     $XXX Reviewed with Exceptions 10/01/2019 Loan Package Documentation Loan File Compliance Open   3 14037114 (Missing Doc) Incomplete loan images/file   Loan file does not contain any origination documentation.         Provide missing documentation
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14039322 Missing Document: Missing Final 1003             Provide missing documentation
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14039528 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Closing / Title Credit Open   2 14039538 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14039540 (Doc Error) Initial GFE not provided              
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14039542 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14039546 Initial Rate Lock rate date is not documented in file.              
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039593 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14039594 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039595 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039597 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25793700 Refinance UTD Primary 11/XX/2003 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039598 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25783994 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14040529 Missing Document: Missing Final 1003             Provide missing documentation
25783994 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040596 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25783994 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040597 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25783994 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14040599 Pennsylvania First Lien Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period is less than 15 day minimum per state (PA)          
25783994 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040600 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25783994 Refinance Cash-out - Other Primary 10/XX/2007 PA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14040611 Initial Rate Lock rate date is not documented in file.              
25639480 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 FL $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14028232 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25639480 Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 FL $XXX Loan Review Complete 09/30/2019 Credit General Credit Open   3 14028253 Initial Rate Lock rate date is not documented in file.              
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14045162 Missing Document: Missing Final 1003             Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14051699 (Doc Error) Initial GFE not provided              
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14051797 Initial Rate Lock rate date is not documented in file.              
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051813 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.09307% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 4.99% + 1.5%, or 6.49000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051814 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051815 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051816 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14051817 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051818 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051822 RESPA (2010) Written Service Provider List Missing Unable to determine if the borrower received a list of service providers due to missing information.           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051823 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051824 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051826 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051827 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25195994 Refinance UTD Primary 2/XX/2010 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051829 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14045115 Missing Document: Missing Final 1003             Provide missing documentation
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14045300 Initial Rate Lock rate date is not documented in file.              
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14045301 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14045311 (Doc Error) Initial GFE not provided              
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14045324 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045558 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 12/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14045559 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045560 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045561 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045562 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25136178 UTD UTD UTD 12/XX/2000 GA $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Closing / Title Credit Open   2 14057810 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Holder's right to foreclose, Homestead Exemption Waiver            
25550610 Refinance Cash-out - Other Primary 8/XX/2004 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034800 TILA HELOC - Billing Rights Disclosure Missing Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.           Provide missing documentation
25550610 Refinance Cash-out - Other Primary 8/XX/2004 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034801 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25550610 Refinance Cash-out - Other Primary 8/XX/2004 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034802 TILA HELOC - Important Terms Disclosure Missing Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.           Provide missing documentation
25550610 Refinance Cash-out - Other Primary 8/XX/2004 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034804 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25550610 Refinance Cash-out - Other Primary 8/XX/2004 NC $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   3 14050501 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25341786 Refinance Cash-out - Other Primary 12/XX/2005 NC $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14028995 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25341786 Refinance Cash-out - Other Primary 12/XX/2005 NC $XXX Loan Review Complete 09/30/2019 Compliance Federal Compliance Compliance Open   2 14028996 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25341786 Refinance Cash-out - Other Primary 12/XX/2005 NC $XXX Loan Review Complete 09/30/2019 Credit General Credit Open   3 14029002 Initial Rate Lock rate date is not documented in file.              
25341786 Refinance Cash-out - Other Primary 12/XX/2005 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044620 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25341786 Refinance Cash-out - Other Primary 12/XX/2005 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044665 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14033594 Missing Document: Missing Final 1003             Provide missing documentation
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14033711 Initial Rate Lock rate date is not documented in file.              
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034098 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.84236% or Final Disclosure APR of 11.88000% is in excess of allowable threshold of APOR 4.56% + 1.5%, or 6.06000%. Non-Compliant Higher Priced Mortgage Loan. ? The loan file contains the following third-party documentation: 1) income/asset verification (paystubs) 2) debts/liabilities verification and other mortgage obligations (credit report). Although the aforementioned documents are in file, unable to conclusively ascertain compliance with HPML ability to repay provision.          
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034100 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034102 SAFE Act - LO Company NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034104 SAFE Act - Individual LO NMLS does not match NMLS Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034105 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034106 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034107 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14034109 (State HPML Provision) North Carolina Rate Spread Home Loan (Ability to Repay Requirements Not Met) North Carolina Rate Spread Home Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14034110 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 11.84236% or Final Disclosure APR of 11.88000% is in excess of allowable threshold of US Treasury 4.3200% + 3%, or 7.32000% and Conventional Mortgage Rate 4.50000% + 1.75%, or 6.25000%., or APOR 4.56% + 1.5%, or 6.06000%. Non-Compliant Rate Spread Home Loan.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034111 2011 TIL-MDIA - Interest Rate Inaccurate Truth in Lending Act (MDIA 2011): Interest rate on the Final TIL does not match interest rate for the loan.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045680 SAFE Act - LO Company NMLS license status not approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not licensed to conduct loan origination activities.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045681 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045682 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25371312 Refinance Cash-out - Debt Consolidation Primary 7/XX/2011 NC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14056598 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. File is missing verification of employment and an approval.          
25031497 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14031171 Missing Document: Missing Final 1003             Provide missing documentation
25031497 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14031213 Initial Rate Lock rate date is not documented in file.              
25031497 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031223 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25031497 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031225 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25031497 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031226 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25031497 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 GA $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   3 14050502 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25357887 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14031289 Missing Document: Missing Final 1003             Provide missing documentation
25357887 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14031441 Initial Rate Lock rate date is not documented in file.              
25357887 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031452 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25357887 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031454 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25357887 Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044939 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $89,865.92 is underdisclosed from calculated Finance Charge of $89,910.73 in the amount of $44.81. Under disclosure appears to be due to calculation of the simple interest payment stream.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25264300 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 PA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050432 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25118930 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Closing / Title Compliance Open   2 14031519 (Doc Error) TIL Error: Borrower signature not dated.              
25118930 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14031548 Initial Rate Lock rate date is not documented in file.              
25118930 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031551 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25118930 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031552 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25118930 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031553 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25118930 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031554 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $254,906.10 is underdisclosed from calculated Finance Charge of $255,181.34 in the amount of $275.24. TIL itemization did not disclose an attorney fee of $250 as a prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25118930 Refinance Cash-out - Other Primary 9/XX/2006 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031555 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14031587 Missing Document: Missing Final 1003             Provide missing documentation
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14031617 Initial Rate Lock rate date is not documented in file.   No rate lock in the file          
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14031630 Initial Rate Lock rate date is not documented in file.              
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031637 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 12.19025% or Final Disclosure APR of 12.19000% is in excess of allowable threshold of APOR 4.36% + 1.5%, or 5.86000%. Non-Compliant Higher Priced Mortgage Loan. The loan file contains the following third-party documentation: 1) income/asset verification (paystubs) 2) debts/liabilities verification and other mortgage obligations (none) 3) underwriting documentation/repayment ability analysis (none). Although the aforementioned documents are in file, unable to conclusively ascertain compliance with HPML ability to repay provision.          
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031638 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. Loan file does not contain evidence of a credit report, verbal/written verification of employment, or evidence of loan approval/ATR analysis.          
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031639 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031640 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14031642 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14031643 (State HPML Provision) North Carolina Rate Spread Home Loan (Ability to Repay Requirements Not Met) North Carolina Rate Spread Home Loan: North Carolina Rate Spread Home Loan: Borrower's ability to repay not verified with reliable documentation. Loan file does not contain evidence of a credit report, verbal/written verification of employment, or evidence of loan approval/ATR analysis.          
25435326 Refinance Cash-out - Other Primary 12/XX/2009 NC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   3 14031644 North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 12.19025% or Final Disclosure APR of 12.19000% is in excess of allowable threshold of US Treasury 4.2900% + 3%, or 7.29000% and Conventional Mortgage Rate 4.71000% + 1.75%, or 6.46000%., or APOR 4.36% + 1.5%, or 5.86000%. Non-Compliant Rate Spread Home Loan. The loan file contains the following third-party documentation: 1) income/asset verification (paystubs) 2) debts/liabilities verification and other mortgage obligations (none) 3) underwriting documentation/repayment ability analysis (none). Although the aforementioned documents are in file, unable to conclusively ascertain compliance with HPML ability to repay provision.          
25742813 Refinance Cash-out - Other Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14031892 Missing Document: Missing Final 1003             Provide missing documentation
25742813 Refinance Cash-out - Other Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14032035 Initial Rate Lock rate date is not documented in file.              
25742813 Refinance Cash-out - Other Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032103 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25742813 Refinance Cash-out - Other Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032104 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25742813 Refinance Cash-out - Other Primary 5/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032105 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25742813 Refinance Cash-out - Other Primary 5/XX/2007 TN $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   3 14050503 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25461952 Refinance Cash-out - Other Primary 12/XX/2005 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14031822 Missing Document: Missing Final 1003             Provide missing documentation
25461952 Refinance Cash-out - Other Primary 12/XX/2005 TN $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14032102 Initial Rate Lock rate date is not documented in file.              
25461952 Refinance Cash-out - Other Primary 12/XX/2005 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032127 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25461952 Refinance Cash-out - Other Primary 12/XX/2005 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032130 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25461952 Refinance Cash-out - Other Primary 12/XX/2005 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045034 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25417069 Refinance Cash-out - Other Primary 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14032392 Initial Rate Lock rate date is not documented in file.              
25417069 Refinance Cash-out - Other Primary 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032473 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25417069 Refinance Cash-out - Other Primary 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14032474 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25417069 Refinance Cash-out - Other Primary 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045070 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25417069 Refinance Cash-out - Other Primary 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045071 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25151763 Refinance Cash-out - Other Primary 6/XX/2007 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040193 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25523606 Refinance Rate/Term Primary 10/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14046373 Initial Rate Lock rate date is not documented in file.              
25523606 Refinance Rate/Term Primary 10/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14046380 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25523606 Refinance Rate/Term Primary 10/XX/2006 IL $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14046381 Illinois Prepayment Penalty Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%. PPP Expired. PPP of 3% exceeds (IL) limit of no prepayment allowed on any loan secured by mortgage on real estate if the annual interest rate exceeds 8%. Note reflects 9.95% annual interest rate. Lender is XXX.          
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14033005 Missing Document: Missing Final 1003             Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14033667 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14033669 (Doc Error) Initial GFE not provided              
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14033671 Initial Rate Lock rate date is not documented in file.              
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034142 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.48011% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 4.38% + 1.5%, or 5.88000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034143 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034144 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034145 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034146 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034148 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034149 RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate RESPA (2010): Interest Rate on Final HUD-1 does not match Note.            
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034151 RESPA - Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034152 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034153 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034154 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034155 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2010, prior to three (3) business days from transaction date of 10/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034156 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034176 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25532596 Refinance Cash-out - Debt Consolidation Primary 10/XX/2010 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14045624 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25912400 Refinance Cash-out - Other Primary 3/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14033574 Missing Document: Missing Final 1003             Provide missing documentation
25912400 Refinance Cash-out - Other Primary 3/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14034326 (Doc Error) Initial GFE not provided              
25912400 Refinance Cash-out - Other Primary 3/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14034331 Initial Rate Lock rate date is not documented in file.              
25912400 Refinance Cash-out - Other Primary 3/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034359 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25912400 Refinance Cash-out - Other Primary 3/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034363 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25912400 Refinance Cash-out - Other Primary 3/XX/2009 AL $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   3 14050504 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14033068 Missing Document: Missing Final 1003             Provide missing documentation
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14033146 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14033147 (Doc Error) Initial GFE not provided              
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14033155 Initial Rate Lock rate date is not documented in file.              
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14033562 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14033563 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14033564 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14033566 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14033567 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25313957 UTD UTD Primary 5/XX/2007 MS $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Closing / Title Credit Open   2 14045628 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14046751 Missing Document: Missing Final 1003             Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14046753 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14046754 (Doc Error) Initial GFE not provided              
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14046755 Initial Rate Lock rate date is not documented in file.              
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046760 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.97591% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 4.42% + 1.5%, or 5.92000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046761 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) Federal Higher-Priced Mortgage Loan: Mandatory escrow account not established on 1st lien mortgage loan.            
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046762 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046763 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046764 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14046765 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046766 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046769 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046770 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046771 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14046772 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046774 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046775 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25950774 Refinance UTD Primary 4/XX/2010 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046776 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25125988 Refinance Cash-out - Other Primary 9/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14046829 Initial Rate Lock rate date is not documented in file.              
25490781 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MS $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14034634 Missing Document: Missing Final 1003             Provide missing documentation
25490781 Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 MS $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14035374 Initial Rate Lock rate date is not documented in file.              
25138959 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 GA $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14046992 Missing Document: Missing Final 1003             Provide missing documentation
25138959 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047044 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25138959 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047046 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25138959 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047047 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25138959 Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 GA $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14047060 Initial Rate Lock rate date is not documented in file.              
25832170 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 SC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14034892 Missing Document: Missing Final 1003             Provide missing documentation
25832170 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035753 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25832170 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035755 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25832170 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 SC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14035756 South Carolina CHL Complaint Agency Disclosure Timing Test Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
25832170 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035757 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $113,377.83 is underdisclosed from calculated Finance Charge of $113,523.64 in the amount of $145.81. Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25832170 Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 SC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14035796 Initial Rate Lock rate date is not documented in file.              
25552979 Refinance Rate/Term Primary 11/XX/2001 TN $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14047218 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25552979 Refinance Rate/Term Primary 11/XX/2001 TN $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14047222 Initial Rate Lock rate date is not documented in file.              
25552979 Refinance Rate/Term Primary 11/XX/2001 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047277 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25552979 Refinance Rate/Term Primary 11/XX/2001 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047278 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25552979 Refinance Rate/Term Primary 11/XX/2001 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047279 ARM Disclosure Compliant Test TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
25552979 Refinance Rate/Term Primary 11/XX/2001 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047280 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
25119029 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14034781 Missing Document: Missing Final 1003             Provide missing documentation
25119029 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14034857 Initial Rate Lock rate date is not documented in file.              
25119029 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034969 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25119029 Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14034970 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14047065 Missing Document: Missing Final 1003             Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14047092 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14047138 (Doc Error) Initial GFE not provided              
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14047139 Initial Rate Lock rate date is not documented in file.              
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047177 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.46099% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 4.26% + 1.5%, or 5.76000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047178 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) Federal Higher-Priced Mortgage Loan: Mandatory escrow account not established on 1st lien mortgage loan.            
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047179 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047180 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047181 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14047182 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047183 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047185 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047186 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047187 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047188 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047189 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047190 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25769911 UTD UTD Primary 11/XX/2010 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047191 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14034956 Missing Document: Missing Final 1003             Provide missing documentation
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14035427 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Closing / Title Credit Open   2 14035430 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14035435 (Doc Error) Initial GFE not provided              
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14035439 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14035441 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14035442 Initial Rate Lock rate date is not documented in file.              
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035476 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14035477 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035478 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035479 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25121875 UTD UTD UTD 6/XX/2006 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035480 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25832817 Refinance Cash-out - Other Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14035221 Missing Document: Missing Final 1003             Provide missing documentation
25832817 Refinance Cash-out - Other Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14035611 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25832817 Refinance Cash-out - Other Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14035615 (Doc Error) Initial GFE not provided              
25832817 Refinance Cash-out - Other Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14035620 Initial Rate Lock rate date is not documented in file.              
25832817 Refinance Cash-out - Other Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035676 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25832817 Refinance Cash-out - Other Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035678 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25084409 Refinance Cash-out - Other Primary 12/XX/2005 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14034808 Missing Document: Missing Final 1003             Provide missing documentation
25084409 Refinance Cash-out - Other Primary 12/XX/2005 AL $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14034934 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25084409 Refinance Cash-out - Other Primary 12/XX/2005 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14034957 (Doc Error) Initial GFE not provided              
25084409 Refinance Cash-out - Other Primary 12/XX/2005 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14034959 Initial Rate Lock rate date is not documented in file.              
25084409 Refinance Cash-out - Other Primary 12/XX/2005 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035018 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
25084409 Refinance Cash-out - Other Primary 12/XX/2005 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035019 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25084409 Refinance Cash-out - Other Primary 12/XX/2005 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035020 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14034758 Missing Document: Missing Final 1003             Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14034958 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14034962 (Doc Error) Initial GFE not provided              
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14034968 Initial Rate Lock rate date is not documented in file.              
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035226 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.07370% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 4.78% + 1.5%, or 6.28000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035227 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) Federal Higher-Priced Mortgage Loan: Mandatory escrow account not established on 1st lien mortgage loan.            
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035228 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035229 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035230 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2011 used as disbursement date for compliance testing.           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14035231 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035232 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035233 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035235 RESPA - Initial GFE Missing RESPA: Initial GFE not provided to Borrower(s).           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14035236 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14035237 South Carolina Home Loan (No Tangible Net Benefit) Unable to test tangible net benefit due to missing information.            
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035238 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035239 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25552477 Refinance UTD Primary 2/XX/2011 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035240 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14035815 Missing Document: Missing Final 1003             Provide missing documentation
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039206 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14039207 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039208 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039209 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039210 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14039259 (Doc Error) Initial GFE not provided              
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14039289 Initial Rate Lock rate date is not documented in file.              
25783234 Refinance Rate/Term Primary 12/XX/2000 AL $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14049334 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25889449 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 LA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14035211 Missing Document: Missing Final 1003             Provide missing documentation
25889449 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 LA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14035834 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25889449 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 LA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14035839 Initial Rate Lock rate date is not documented in file.              
25889449 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035853 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25889449 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035855 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25889449 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035856 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
25889449 Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035858 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14047284 Missing Document: Missing Final 1003             Provide missing documentation
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14047375 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14047380 (Doc Error) Initial GFE not provided              
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14047381 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14047382 Initial Rate Lock rate date is not documented in file.              
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047470 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14047471 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047472 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047473 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25853035 Refinance UTD Primary 5/XX/2007 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047474 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25860772 Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 GA $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14047646 Initial Rate Lock rate date is not documented in file.              
25860772 Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 GA $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14047648 (Doc Error) Initial GFE not provided              
25860772 Refinance Cash-out - Debt Consolidation Primary 6/XX/2001 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058692 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14035405 Missing Document: Missing Final 1003             Provide missing documentation
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14035507 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14035517 (Doc Error) Initial GFE not provided              
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14035524 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14035525 Initial Rate Lock rate date is not documented in file.              
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035566 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14035567 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035568 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25125757 Refinance UTD Primary 1/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14035569 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14035614 Missing Document: Missing Final 1003             Provide missing documentation
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14036939 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14036942 (Doc Error) Initial GFE not provided              
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14036967 Initial Rate Lock rate date is not documented in file.              
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037040 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.66100% or Final Disclosure APR of 12.11000% is in excess of allowable threshold of APOR 5.06% + 1.5%, or 6.56000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan          
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037041 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation.            
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037042 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037043 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14037044 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037045 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2009 which is 0 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037046 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25420071 Refinance UTD Primary 10/XX/2009 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037047 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25609268 Refinance Cash-out - Other Primary 2/XX/2008 AL $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14049220 Missing Document: Missing Final 1003             Provide missing documentation
25609268 Refinance Cash-out - Other Primary 2/XX/2008 AL $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14050154 Initial Rate Lock rate date is not documented in file.              
25609268 Refinance Cash-out - Other Primary 2/XX/2008 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058056 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $327,496.90 is underdisclosed from calculated Finance Charge of $327,863.71 in the amount of $366.81. Disclosed payment on Note of $1245.69 does not correspond with the loan amount, loan term, and interest rate on the loan.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25898483 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 LA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14036038 Missing Document: Missing Final 1003             Provide missing documentation
25898483 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037789 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25898483 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037792 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25898483 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 LA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14038355 Initial Rate Lock rate date is not documented in file.              
25898483 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 LA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14038704 (Doc Error) Initial GFE not provided              
25898483 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14046185 RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.           Provide missing documentation
25898483 Refinance Cash-out - Debt Consolidation Primary 12/XX/2001 LA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14046186 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
25876522 Refinance Cash-out - Other Primary 6/XX/2008 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14035957 Missing Document: Missing Final 1003             Provide missing documentation
25876522 Refinance Cash-out - Other Primary 6/XX/2008 TN $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14036032 Initial Rate Lock rate date is not documented in file.              
25876522 Refinance Cash-out - Other Primary 6/XX/2008 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14036976 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25876522 Refinance Cash-out - Other Primary 6/XX/2008 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14036979 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25876522 Refinance Cash-out - Other Primary 6/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   3 14050505 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14047704 Missing Document: Missing Final 1003             Provide missing documentation
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Legal / Regulatory / Compliance Title / Lien Defect Compliance Open   2 14047799 (Doc Error) Loan was portrayed as first lien but found to be a second lien   Property History Report shows a 1st lien dated 8/XX/2006. The subject transaction is dated 10/XX/2008. There is no evidence of a subordination agreement.          
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14047812 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14047823 (Doc Error) Initial GFE not provided              
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14047824 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14047827 Initial Rate Lock rate date is not documented in file.              
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047856 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14047857 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047858 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047860 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047861 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25277339 Refinance UTD Primary 10/XX/2008 TN $XXX Loan Review Complete 10/02/2019 Title Lien Credit Open   3 14058226 Lien Position 1 Other Financing Document is missing. Lien Position: 1           Provide missing documentation
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14035919 Missing Document: Missing Final 1003             Provide missing documentation
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14036010 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14036012 (Doc Error) Initial GFE not provided              
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14036013 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14036015 Initial Rate Lock rate date is not documented in file.              
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14036958 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14036959 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14036960 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25307908 Refinance UTD Primary 4/XX/2008 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14036961 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14038642 Missing Document: Missing Final 1003             Provide missing documentation
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14038810 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Closing / Title Credit Open   2 14038816 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Holder's right to foreclose            
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14038819 (Doc Error) Initial GFE not provided              
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14038823 Initial Rate Lock rate date is not documented in file.              
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14041931 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14041932 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14041934 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25027565 Refinance Cash-out - Other Primary 3/XX/2000 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14046810 Final TIL APR Under/Over Disclosed By Greater Than 0.125% Truth In Lending Act: Final TIL APR of 14.28000% is underdisclosed from calculated APR of 15.37489% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14037556 Missing Document: Missing Final 1003             Provide missing documentation
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14037898 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14037901 (Doc Error) Initial GFE not provided              
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14037907 Initial Rate Lock rate date is not documented in file.              
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038266 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2009 used as disbursement date for compliance testing.           Provide missing documentation
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038267 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038268 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14038269 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25406509 Refinance Cash-out - Other Primary 6/XX/2009 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038271 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25223327 Refinance UTD Primary 11/XX/2002 SC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14037559 Missing Document: Missing Final 1003             Provide missing documentation
25223327 Refinance UTD Primary 11/XX/2002 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14037616 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25223327 Refinance UTD Primary 11/XX/2002 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037617 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25223327 Refinance UTD Primary 11/XX/2002 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037620 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25223327 Refinance UTD Primary 11/XX/2002 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037621 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25223327 Refinance UTD Primary 11/XX/2002 SC $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14037722 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25223327 Refinance UTD Primary 11/XX/2002 SC $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14037745 (Doc Error) Initial GFE not provided              
25223327 Refinance UTD Primary 11/XX/2002 SC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14037746 Initial Rate Lock rate date is not documented in file.              
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14047866 Missing Document: Missing Final 1003             Provide missing documentation
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14047922 Initial Rate Lock rate date is not documented in file.              
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14047923 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14047928 (Doc Error) Initial GFE not provided              
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14047935 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048069 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048070 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14048072 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048073 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14048074 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25678271 Refinance UTD Primary 3/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048075 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14048389 Missing Document: Missing Final 1003             Provide missing documentation
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14048529 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14048539 (Doc Error) Initial GFE not provided              
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14048565 Initial Rate Lock rate date is not documented in file.              
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048628 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14048629 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048630 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048632 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048633 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25720355 Refinance UTD Primary 4/XX/2002 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048634 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25544972 Refinance UTD Primary 3/XX/2006 AL $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14048370 Missing Document: Missing Final 1003             Provide missing documentation
25544972 Refinance UTD Primary 3/XX/2006 AL $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14048593 Initial Rate Lock rate date is not documented in file.              
25544972 Refinance UTD Primary 3/XX/2006 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048621 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25544972 Refinance UTD Primary 3/XX/2006 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14048622 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25544972 Refinance UTD Primary 3/XX/2006 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048623 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25544972 Refinance UTD Primary 3/XX/2006 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048624 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25544972 Refinance UTD Primary 3/XX/2006 AL $XXX Loan Review Complete 10/02/2019 Legal / Regulatory / Compliance Title / Lien Defect Compliance Open   2 14058319 (Doc Error) Loan was portrayed as first lien but found to be a second lien   Property History Report indicates there was a mortgage recorded in 2005. The subject transaction is from 2006. There is no evidence of a subordination agreement.          
25623070 UTD UTD Primary 11/XX/2001 SC $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14037794 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25623070 UTD UTD Primary 11/XX/2001 SC $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14037828 (Doc Error) Initial GFE not provided              
25623070 UTD UTD Primary 11/XX/2001 SC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14037840 Initial Rate Lock rate date is not documented in file.              
25623070 UTD UTD Primary 11/XX/2001 SC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14037844 Missing Document: Missing Final 1003             Provide missing documentation
25623070 UTD UTD Primary 11/XX/2001 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037869 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing.           Provide missing documentation
25623070 UTD UTD Primary 11/XX/2001 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14037870 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25623070 UTD UTD Primary 11/XX/2001 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037871 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25623070 UTD UTD Primary 11/XX/2001 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14037873 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14038146 Missing Document: Missing Final 1003             Provide missing documentation
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14038555 (Doc Error) Initial GFE not provided              
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14038556 Initial Rate Lock rate date is not documented in file.              
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038575 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14038578 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038579 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038585 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038586 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14038627 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14046815 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25191815 Refinance UTD Primary 2/XX/2008 SC $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14046816 South Carolina Home Loan (No Tangible Net Benefit) South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower.            
25537086 Refinance UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14037632 Missing Document: Missing Final 1003             Provide missing documentation
25537086 Refinance UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14038132 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25537086 Refinance UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14038139 (Doc Error) Initial GFE not provided              
25537086 Refinance UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14038143 Initial Rate Lock rate date is not documented in file.              
25537086 Refinance UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038192 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25537086 Refinance UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14038193 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25537086 Refinance UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038194 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25537086 Refinance UTD Primary 5/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038195 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14038853 Missing Document: Missing Final 1003             Provide missing documentation
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038942 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14038943 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038944 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038945 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038946 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038947 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14039330 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14039333 (Doc Error) Initial GFE not provided              
25790805 Refinance UTD Primary 10/XX/2007 GA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14039334 Initial Rate Lock rate date is not documented in file.              
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14038653 Missing Document: Missing Final 1003             Provide missing documentation
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14038796 (Doc Error) Initial GFE not provided              
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14038798 Initial Rate Lock rate date is not documented in file.              
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14038807 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14038815 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038824 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14038827 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038828 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038829 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25902463 Refinance UTD Primary 12/XX/2000 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038830 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25375335 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14040233 Missing Document: Missing Final 1003             Provide missing documentation
25375335 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040686 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25375335 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040688 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25375335 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 TN $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14040694 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25375335 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 TN $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14040697 (Doc Error) Initial GFE not provided              
25375335 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 TN $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14040701 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25375335 Refinance Cash-out - Debt Consolidation Primary 11/XX/2002 TN $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14040715 Initial Rate Lock rate date is not documented in file.              
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14038654 Missing Document: Missing Final 1003             Provide missing documentation
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Closing / Title Credit Open   2 14038754 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14038760 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14038765 (Doc Error) Initial GFE not provided              
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14038766 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14038769 Initial Rate Lock rate date is not documented in file.              
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038841 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14038842 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038843 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25646087 UTD UTD Primary 2/XX/2007 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14038845 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25404617 Refinance UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14039038 Missing Document: Missing Final 1003             Provide missing documentation
25404617 Refinance UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14040153 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25404617 Refinance UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14040161 (Doc Error) Initial GFE not provided              
25404617 Refinance UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14040166 Initial Rate Lock rate date is not documented in file.              
25404617 Refinance UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040326 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25404617 Refinance UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14040327 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25404617 Refinance UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040329 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25404617 Refinance UTD Primary 12/XX/2006 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040330 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14039097 Missing Document: Missing Final 1003             Provide missing documentation
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14039758 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14039760 (Doc Error) Initial GFE not provided              
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14039767 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14039769 Initial Rate Lock rate date is not documented in file.              
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039937 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.82545% or Final Disclosure APR of 0.00000% is in excess of allowable threshold of APOR 4.49% + 1.5%, or 5.99000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039938 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. Loan is missing all verification of ability to repay.          
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039939 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039940 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14039941 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039942 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14039944 South Carolina Home Loan (Complaint Agency Disclosure Not Provided) South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.            
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14039945 South Carolina Home Loan (No Tangible Net Benefit) Unable to test tangible net benefit due to missing information.            
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039946 TIL-MDIA - Initial TIL Missing Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.           Provide missing documentation
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039947 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25152540 UTD UTD UTD 1/XX/2010 SC $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14039948 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14039500 Missing Document: Missing Final 1003             Provide missing documentation
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14039702 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14039707 (Doc Error) Initial GFE not provided              
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14039711 Final Title Policy is missing. No evidence of title in file.   File does not contain either preliminary or final title policy         Provide missing documentation
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040592 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040593 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040704 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14040751 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25380627 UTD UTD Primary 5/XX/2002 GA $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14046894 Initial Rate Lock rate date is not documented in file.              
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14039141 Missing Document: Missing Final 1003             Provide missing documentation
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14040157 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14040164 (Doc Error) Initial GFE not provided              
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14040168 Initial Rate Lock rate date is not documented in file.              
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040497 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14040499 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040500 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040501 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040502 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25234454 Refinance UTD Primary 8/XX/2002 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040503 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14040356 Missing Document: Missing Final 1003             Provide missing documentation
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040679 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing.           Provide missing documentation
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040680 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040681 Payoff Statement Missing Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.           Provide missing documentation
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040682 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040683 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040684 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14040710 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14040714 (Doc Error) Initial GFE not provided              
25186552 Refinance Cash-out - Other Primary 6/XX/2003 GA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14040716 Initial Rate Lock rate date is not documented in file.              
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14040659 Missing Document: Missing Final 1003             Provide missing documentation
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Closing / Title Credit Open   2 14040767 Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.              
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14040774 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14040776 (Doc Error) Initial GFE not provided              
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14040819 Initial Rate Lock rate date is not documented in file.              
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040892 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040893 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14040894 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25906851 Refinance Cash-out - Other Primary 8/XX/2007 AL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047008 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $152,262.19 is underdisclosed from calculated Finance Charge of $153,059.39 in the amount of $797.20. Disclosed payment on Note of $583.55 does not correspond with the loan amount, loan term, and interest rate on the loan.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14040415 Missing Document: Missing Final 1003             Provide missing documentation
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14042293 Initial Rate Lock rate date is not documented in file.              
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042390 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.65902% or Final Disclosure APR of 11.63000% is in excess of allowable threshold of APOR 4.92% + 1.5%, or 6.42000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042392 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042393 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042394 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2011 used as disbursement date for compliance testing.           Provide missing documentation
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042396 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042397 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042399 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042400 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042401 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042402 RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate RESPA (2010): Interest Rate on Final HUD-1 does not match Note.            
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042403 RESPA (2010) Written Service Provider List Missing RESPA (2010): Borrower not provided with list of service providers.           Provide missing documentation
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042405 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042408 2011 TIL-MDIA - Interest Rate Inaccurate Truth in Lending Act (MDIA 2011): Interest rate on the Final TIL does not match interest rate for the loan.            
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042411 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2011, prior to three (3) business days from transaction date of 04/XX/2011.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042412 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25839109 Refinance Cash-out - Debt Consolidation Primary 4/XX/2011 TN $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044552 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14047808 Missing Document: Missing Final 1003             Provide missing documentation
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048029 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 11.88181% or Final Disclosure APR of 11.88000% is in excess of allowable threshold of APOR 4.21% + 1.5%, or 5.71000%. Non-Compliant Higher Priced Mortgage Loan. The loan file contains the following third-party documentation: 1) income/asset. verification (paystubs). Although the aforementioned documents are in file, unable to conclusively ascertain compliance with HPML ability to repay provision.          
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048033 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14048232 Initial Rate Lock rate date is not documented in file.              
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14048235 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048286 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. File is missing the credit report and verbal verification of employment.          
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048287 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048288 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048289 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048291 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
25259286 Refinance Cash-out - Other Primary 9/XX/2011 TN $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14056460 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14048797 Initial Rate Lock rate date is not documented in file.              
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048853 Federal HPML 2009 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 12.47130% or Final Disclosure APR of 12.49000% is in excess of allowable threshold of APOR 4.99% + 1.5%, or 6.49000%. Non-Compliant Higher Priced Mortgage Loan. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048854 (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. The loan file does not contain third party documentation of the Borrower's ability to repay the loan.          
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048855 (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.           Provide missing documentation
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048856 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2010 used as disbursement date for compliance testing.           Provide missing documentation
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048858 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048859 RESPA (2010) - Interest Rate on GFE Inaccurate RESPA (2010): Interest Rate on GFE does not match Note.            
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048860 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048861 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048862 RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.            
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058421 RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.           Provide the following: Letter of Explanation, Proof of Delivery, and Refund check
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058422 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058423 RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate RESPA (2010): Interest Rate on Final HUD-1 does not match Note.            
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058424 RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.            
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058425 RESPA (2010) Written Service Provider List Not Provided Timely RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.            
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058426 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2010, prior to three (3) business days from transaction date of 03/XX/2010.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25865052 Refinance Cash-out - Debt Consolidation Primary 3/XX/2010 FL $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   3 14059534 Missing Valuation:   Appraisal not provided         Provide missing documentation
25509679 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 GA $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14048588 Missing Document: Missing Final 1003             Provide missing documentation
25509679 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 GA $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14048800 Initial Rate Lock rate date is not documented in file.              
25509679 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048838 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2000 used as disbursement date for compliance testing.           Provide missing documentation
25509679 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048839 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25509679 Refinance Cash-out - Debt Consolidation Primary 5/XX/2000 GA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048840 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2000, prior to three (3) business days from transaction date of 05/XX/2000.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25510786 Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 AL $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14041235 Missing Document: Missing Final 1003             Provide missing documentation
25510786 Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 AL $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14041882 (Doc Error) Initial GFE not provided              
25510786 Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 AL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14041903 Initial Rate Lock rate date is not documented in file.              
25510786 Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14041966 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2002 used as disbursement date for compliance testing.           Provide missing documentation
25510786 Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14041967 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25510786 Refinance Cash-out - Debt Consolidation Primary 2/XX/2002 AL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14041969 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14048183 Missing Document: Missing Final 1003             Provide missing documentation
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14048259 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Compliance Miscellaneous Compliance Compliance Open   2 14048276 (Doc Error) Initial GFE not provided              
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14048277 Initial Rate Lock rate date is not documented in file.              
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Title Lien Credit Open   3 14048278 Lien Position 1 Other Financing Document is missing. Lien Position: 1           Provide missing documentation
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048390 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   3 14048391 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048392 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048394 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14048395 Ohio Standard Prepayment Penalty SMLA Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) PPP Expired. Prepayment charge not allowed per state (OH). Lender is XXX.          
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048396 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25212301 Refinance UTD Primary 7/XX/2006 OH $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14048397 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25843333 Purchase Investment 3/XX/2007 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14043552 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25843333 Purchase Investment 3/XX/2007 FL $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14056248 Missing Document: Missing Final 1003             Provide missing documentation
25843333 Purchase Investment 3/XX/2007 FL $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14056674 Initial Rate Lock rate date is not documented in file.              
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Loan Package Documentation Application / Processing Credit Open   2 14042432 Missing Document: Missing Final 1003             Provide missing documentation
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14042766 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14042785 (Doc Error) Initial GFE not provided              
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance Miscellaneous Compliance Compliance Open   2 14042788 Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.              
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14042792 Initial Rate Lock rate date is not documented in file.              
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042868 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   3 14042869 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042870 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042871 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14042872 Maryland Prepayment Penalty Test Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. PPP Expired. Prepayment charge not allowed per state (MD) - max prepayment charge for MD loan is 2 months advanced interest on prepayments in excess of 1/3 of amount of original loan - note states 6 months prepaid interest on 100% of amount prepaid if prepaid amount exceeds 20% of original principal balance. Lender is XXX.          
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042873 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25344548 Refinance UTD UTD 12/XX/2006 MD $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14042874 TILA - Final TIL Missing Missing Final TIL.           Provide missing documentation
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14049219 Missing Document: Missing Final 1003             Provide missing documentation
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Property - Appraisal General Appraisal Requirements Compliance Open   2 14050345 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Title Lien Credit Open   3 14050401 Lien Position 1 Other Financing Document is missing. Lien Position: 1           Provide missing documentation
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050482 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050484 HELOC Fees Used For Testing Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing            
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050485 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050487 Property Type Not Provided (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.            
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050488 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
25999676 Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14058531 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25272823 Purchase Primary 10/XX/2006 VA $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14042842 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25272823 Purchase Primary 10/XX/2006 VA $XXX Loan Review Complete 10/01/2019 Title Lien Credit Open   3 14042843 Lien Position 1 Other Financing Document is missing. Lien Position: 1           Provide missing documentation
25272823 Purchase Primary 10/XX/2006 VA $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14042846 Initial Rate Lock rate date is not documented in file.              
25377281 Purchase Primary 4/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Credit General Credit Open   3 14043234 Initial Rate Lock rate date is not documented in file.              
25377281 Purchase Primary 4/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14043256 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25377281 Purchase Primary 4/XX/2006 FL $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14043258 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25377281 Purchase Primary 4/XX/2006 FL $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14056406 Missing Document: Missing Final 1003             Provide missing documentation
25893278 Purchase Primary 4/XX/2006 NV $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14049235 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25759956 Purchase Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044645 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25759956 Purchase Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044646 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25759956 Purchase Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044647 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25111437 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047460 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25111437 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14047461 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25275533 Purchase Primary 5/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14043175 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25275533 Purchase Primary 5/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Title Lien Credit Open   3 14057237 Lien Position 1 Other Financing Document is missing. Lien Position: 1           Provide missing documentation
25275533 Purchase Primary 5/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14057289 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25858135 Purchase Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044522 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
25858135 Purchase Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044525 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25858135 Purchase Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044526 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25858135 Purchase Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance State Compliance Compliance Open   2 14044527 California Prepayment Penalty ARM Test California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. PPP Expired. Prepayment charge not allowed per state (CA) - No prepayment fees allowed on ARM loans. Note states 6 months interest Prepayment charge. Lender is XXX.          
25225764 Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050679 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25225764 Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050680 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25225764 Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050681 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25225764 Refinance Cash-out - Other Primary 6/XX/2006 MI $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14050683 Michigan Late Charge Percent and Amount Testing Unable to determine if late charge exceeds state maximum due to missing information.            
25412420 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Legal / Regulatory / Compliance Title / Lien Defect Credit Open   3 14043775 Final Title Policy is missing. No evidence of title in file.             Provide missing documentation
25412420 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14043901 TILA HELOC - HELOC Brochure Not Provided Timely Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application.            
25412420 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14043906 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25412420 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14043907 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
25412420 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14043908 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25412420 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   3 14057757 Missing Valuation:   Appraisal not provided.         Provide missing documentation
25412420 Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14057854 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
25107937 Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044160 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25267570 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051761 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25267570 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14051762 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
25267570 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14051763 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25267570 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Loan Package Documentation Application / Processing Credit Open   2 14057590 Missing Document: Missing Final 1003             Provide missing documentation
25776603 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050283 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25776603 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050284 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25776603 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050286 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
25776603 Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Title Lien Credit Open   3 14050512 Lien Position 1 Other Financing Document is missing. Lien Position: 1           Provide missing documentation
25311837 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14049584 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
25311837 Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14049587 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
25212462 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050431 TILA HELOC - HELOC Brochure Missing Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.           Provide missing documentation
25212462 Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14050434 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
25510173 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044558 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
25510173 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 10/01/2019 Compliance Federal Compliance Compliance Open   2 14044561 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.            
25510173 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14056878 TILA HELOC - Credit Agreement Not Provided Timely Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.            
25510173 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14056879 TILA HELOC - Billing Rights Disclosure Not Provided Timely Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.            
25510173 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14056880 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25510173 Purchase Primary 5/XX/2007 CA $XXX Loan Review Complete 10/02/2019 Compliance State Compliance Compliance Open   2 14056881 California Primary Residence Late Charge Percent Testing Unable to determine if late charge exceeds state maximum due to missing information.            
25840142 Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 10/02/2019 Credit General Credit Open   3 14049382 Initial Rate Lock rate date is not documented in file.              
25840142 Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14049504 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.           Provide missing documentation
25840142 Purchase Primary 7/XX/2006 FL $XXX Loan Review Complete 10/02/2019 Compliance Federal Compliance Compliance Open   2 14049505 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.