EX-99.1 6 efc19-643_ex991s4b.htm SCHEDULE 4(B) - COMPLIANCE REVIEW
Unique ID Overall Event Level Grade Final Credit Event Credit Exception(s) Credit Comment(s) Final Compliance Event Compliance Exception(s) Compliance Comment(s) Moodys Final Compliance Rating DBRS Final Compliance Rating Subject to Predatory Lending Fees Captured for Testing Document Used for Testing State Origination Date Purpose at Origination Occupancy at Origination Originator Original Principal Balance Unpaid Principal Balance
25007439 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2017-04-12: Unable to determine under disclosure due to missing itemization of amount financed.Under disclosure is fee related. B B Yes Yes Final HUD1 NY 1/XX/2008 Refinance Primary XXX $XXX  
25785336 2       2 *** (OPEN) Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) RESPA Affiliated Business Arangement Disclosure Compliant: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. COMMENT: 2015-07-23: TIL in file presumed to be the Final TIL is dated the same as the funding date and is unsigned. B B Yes Yes Final HUD1 CA 5/XX/2007 Purchase Primary XXX $XXX  
25768963 2       2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) RESPA Affiliated Business Arangement Disclosure Compliant: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 FL 1/XX/2007 Refinance Primary XXX $XXX  
25151967 2   *** (OPEN) Missing Document: Flood Certificate not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 NJ 4/XX/2007 Refinance Primary XXX $XXX  
25338194 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 MD 11/XX/2007 Refinance Investment XXX $XXX  
25273480 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MD 1/XX/2007 Refinance Primary XXX $XXX  
25538004 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-16: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 IL 8/XX/2005 Refinance Primary XXX $XXX  
25489869 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2   B B Yes Yes Final HUD1 IL 10/XX/2012 Refinance Primary XXX $XXX  
25644714 3 3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided COMMENT: 2018-06-29: 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. 2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (CURED) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) COMMENT: 2018-06-29: 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. *** (OPEN) 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) COMMENT: 2018-06-29: 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. *** (OPEN) 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) COMMENT: 2018-06-29: 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. *** (OPEN) 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) COMMENT: 2018-06-29: 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. *** (OPEN) 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) COMMENT: 2018-06-29: 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. *** (CURED) 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) COMMENT: 2018-07-14: 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. *** (OPEN) 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) COMMENT: 2018-07-14: Cure for various 0% and 10% tolerance violations totaling $294.50 was not provided. *** (OPEN) 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) COMMENT: 2018-07-14: 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. *** (OPEN) 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) COMMENT: 2018-07-14: 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. B B Yes No   ID 11/XX/2015 Purchase Primary XXX $XXX  
25979574 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 3/XX/2008 Refinance Primary XXX $XXX  
25863072 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MD 9/XX/2006 Purchase Primary XXX $XXX  
25888482 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2007 - EV3 *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Line of Credit Closing Statement FL 7/XX/2007 Refinance Primary XXX $XXX  
25344911 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B Yes No Line of Credit Closing Statement ME 10/XX/2006 Refinance Primary XXX $XXX  
25431686 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Incomplete Document: Right to Cancel (RTC) is incomplete - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Incomplete Document: Right to Cancel (RTC) is incomplete COMMENT: 2018-04-05: There is no signature or date from the borrower. *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. COMMENT: 2018-04-05: RTC is blank does not have a signature date. D D Yes No Missing FL 9/XX/2006 Refinance Primary XXX $XXX  
25881693 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. COMMENT: 2018-07-10: Service Providers List provided on 9/21/10 wheres the initial GFE was provided 9/15/10 B B Yes Yes Final HUD1 CA 1/XX/2011 Refinance Primary XXX $XXX  
25655836 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 01/XX/2011 - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. - EV2 *** (OPEN) SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WA 12/XX/2011 Refinance Primary XXX $XXX  
25419655 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2   D D Yes No Missing MI 8/XX/2005 Refinance Primary XXX $XXX  
25999045 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 UT 3/XX/2009 Refinance Primary XXX $XXX  
25138945 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 GA 10/XX/2007 Purchase Second Home XXX $XXX  
25486770 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) 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. - EV1   B B Yes Yes Final HUD1 CA 12/XX/2006 Purchase Primary XXX $XXX  
25573494 1       1     A A No Yes Final HUD1 MD 5/XX/2006 Purchase Primary XXX $XXX  
25889720 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 6/XX/2005 Purchase Primary XXX $XXX  
25522265 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-20: Itemization did not disclose Settlement fee of $150 or courier fee of $75. B B No Yes Final HUD1 FL 8/XX/2005 Purchase Primary XXX $XXX  
25392790 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 FL 9/XX/2006 Purchase Primary XXX $XXX  
25152010 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 MA 11/XX/2007 Refinance Primary XXX $XXX  
25651489 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. COMMENT: 2018-11-20: Borrowers did not sign final TIL. *** (OPEN) 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. COMMENT: 2018-11-20: Itemization of Amount Finance was not provided. Unable to determine reason for tolerance violation. B B Yes Yes Final HUD1 CA 9/XX/2006 Refinance Primary XXX $XXX  
25713680 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3   2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2008 Purchase Primary XXX $XXX  
25277166 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 4/XX/2007 Refinance Primary XXX $XXX  
25145986 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-19: It appears the Index used is lower than the minimum Index available in our look back period B B Yes Yes Final HUD1 NV 12/XX/2004 Refinance Primary XXX $XXX  
25362665 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MT 12/XX/2007 Refinance Primary XXX $XXX  
25391567 2       2 *** (OPEN) 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%). - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 10/XX/2003 Refinance Primary XXX $XXX  
25718241 1       1     A A No Yes Final HUD1 WI 2/XX/2002 Purchase Primary XXX $XXX  
25190249 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Initial TIL not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing TN 10/XX/2006 UTD UTD XXX $XXX  
25525730 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 TX 8/XX/2007 Purchase Primary XXX $XXX  
25773005 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 TX 9/XX/2004 Purchase Primary XXX $XXX  
25280262 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 5/XX/2007 Refinance Primary XXX $XXX  
25638382 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 9/XX/2000 Purchase Primary XXX $XXX  
25129582 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 12/XX/2007 Refinance Primary XXX $XXX  
25024270 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 1/XX/2005 Purchase Primary XXX $XXX  
25422889 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-19: TIL Itemization only disclosed origination charges in the amount of $1047.36 and final HUD reflects $5680.36 *** (OPEN) 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. COMMENT: 2018-11-19: TIL Itemization only disclosed origination charges in the amount of $1047.36 and final HUD reflects $5680.36. B B Yes Yes Final HUD1 KY 11/XX/2007 Purchase Primary XXX $XXX  
25585524 1       1 *** (CLEARED) (Missing Doc) Incomplete loan images/file - EV1 *** (CLEARED) (Missing Doc) Incomplete loan images/file COMMENT: 2018-12-17: No docs from time of origination provided in file A A No Yes Final HUD1 CA 10/XX/2006 Refinance Investment XXX $XXX  
25306784 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   D D No No Missing PA 7/XX/2007 Purchase Primary XXX $XXX  
25694355 2       2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 MO 1/XX/2007 Purchase Primary XXX $XXX  
25468071 1   *** (OPEN) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) COMMENT: 2018-11-19: FHA Amendatory Clause is missing the Real Estate Agent signature. *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) COMMENT: 2018-11-19: FHA Real Estate Certification is missing the Real Estate Agent signature. 1     A A Yes Yes Final HUD1 GA 9/XX/2006 Purchase Primary XXX $XXX  
25738580 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 7/XX/2001 Refinance Primary XXX $XXX  
25369194 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 CA 7/XX/2007 Refinance Primary XXX $XXX  
25345223 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing NJ 8/XX/2007 Refinance Primary XXX $XXX  
25184749 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. COMMENT: 2018-11-29: No documentation with fees in file *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. COMMENT: 2018-11-29: Missing D D Yes No Missing CA 2/XX/2007 Refinance Primary XXX $XXX  
25425117 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-20: 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. B B Yes Yes Final HUD1 MI 2/XX/2004 Refinance Primary XXX $XXX  
25907873 1       1     A A Yes Yes Final HUD1 IN 12/XX/2008 Purchase Primary XXX $XXX  
25256788 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Initial TIL not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing IN 11/XX/2003 Refinance Primary XXX $XXX  
25338437 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WA 2/XX/2007 Refinance Primary XXX $XXX  
25255453 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2   D D No No Missing MO 2/XX/2005 Purchase Primary XXX $XXX  
25193695 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-19: 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. B B Yes Yes Final HUD1 IN 4/XX/2008 Refinance Primary XXX $XXX  
25704659 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 12/XX/2001 Purchase Primary XXX $XXX  
25679588 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 MD 6/XX/2007 Purchase Primary XXX $XXX  
25231895 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 NY 1/XX/2007 Purchase Primary XXX $XXX  
25958968 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 12/XX/2006 Refinance Primary XXX $XXX  
25705932 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 AZ 9/XX/2005 Purchase Investment XXX $XXX  
25190067 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MD 11/XX/2006 Purchase Primary XXX $XXX  
25188603 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV1 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1   B B Yes Yes Final HUD1 NY 10/XX/2006 Refinance Primary XXX $XXX  
25029920 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 6/XX/2008 Refinance Primary XXX $XXX  
25405298 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 6/XX/2004 Refinance Primary XXX $XXX  
25891053 2       2 *** (OPEN) 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%). - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) 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. - EV1   B B Yes Yes Final HUD1 NV 5/XX/2006 Refinance Primary XXX $XXX  
25199456 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Initial TIL not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2   D D Yes No Missing VA 6/XX/2004 Refinance Primary XXX $XXX  
25108766 2       2 *** (OPEN) 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%). - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 MD 1/XX/2007 Purchase Primary XXX $XXX  
25095134 1       1     A A No Yes Final HUD1 ME 6/XX/2000 Purchase Primary XXX $XXX  
25900166 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B No Yes Final HUD1 FL 11/XX/2006 Purchase Primary XXX $XXX  
25859982 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (CLEARED) 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. - EV1   B B No Yes Final HUD1 NV 12/XX/2006 Purchase Primary XXX $XXX  
25910533 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (CLEARED) (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. - EV1   B B Yes Yes Final HUD1 TX 12/XX/2003 Refinance Primary XXX $XXX  
25020660 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NY 7/XX/2007 Purchase Primary XXX $XXX  
25205832 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing AL 3/XX/2005 UTD UTD XXX $XXX  
25255809 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 MA 4/XX/2007 Purchase Primary XXX $XXX  
25583143 2       2 *** (OPEN) Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CO 6/XX/2007 Refinance Primary XXX $XXX  
25999155 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MO 9/XX/2006 Purchase Primary XXX $XXX  
25122522 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2007 Refinance Primary XXX $XXX  
25153646 2   *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2   B B No Yes Final HUD1 NC 4/XX/2002 Refinance Investment XXX $XXX  
25282965 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 6/XX/2001 Refinance Primary XXX $XXX  
25635804 2   *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Flood Certificate Error: Flood zone was not provided. - EV2   2 *** (OPEN) (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. - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 NJ 8/XX/2006 Refinance Primary XXX $XXX  
25950025 2   *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 MN 9/XX/2003 Purchase Primary XXX $XXX  
25512951 2   *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 WI 8/XX/2007 Purchase Primary XXX $XXX  
25301914 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2017-05-09: Unable to determine under disclosure due to missing itemization and MI cert. B B Yes Yes Final HUD1 WI 1/XX/2006 Refinance Primary XXX $XXX  
25150123 3   *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2019-09-30: Appraisal not provided. 3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) Missing Final HUD-1 - EV3 *** (OPEN) TILA - Final TIL Missing - EV3 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-30: Loan images are for a loan from 07/XX/2007, tape data indicates the subject loan closed 05/XX/2008. D D   No Missing OR   UTD Investment XXX $XXX  
25033640 3       3 *** (OPEN) Missing Final HUD-1: Missing Final HUD-1. HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing. - EV3 *** (OPEN) Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   D D Yes Yes HUD1, not signed or stamped CA 6/XX/2007 Refinance Primary XXX $XXX  
25653977 3   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Title: Evidence of title is missing COMMENT: 2016-12-20: File does not contain either Preliminary or Final Title. 3 *** (OPEN) Missing Final HUD-1: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. - EV3 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing CA 4/XX/2007 Refinance Primary XXX $XXX  
25878158 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2017-03-28: 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. B B Yes Yes Final HUD1 WA 4/XX/2008 Refinance Primary XXX $XXX  
25804721 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2008 Refinance Primary XXX $XXX  
25085624 1       1     A A Yes Yes Final HUD1 LA 10/XX/2004 Refinance Primary XXX $XXX  
25358692 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2017-05-26: Attorney fee is causing the under disclosure. B B Yes Yes Final HUD1 SC 11/XX/2006 Refinance Primary XXX $XXX  
25901180 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 7/XX/2004 Refinance Primary XXX $XXX  
25289107 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MO 8/XX/2007 Refinance Primary XXX $XXX  
25407177 2       2 *** (OPEN) (Doc Error) Security Instrument Error: Notary Date was not provided - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 9/XX/2001 Purchase Primary XXX $XXX  
25600768 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 7/XX/2007 Purchase Primary XXX $XXX  
25734709 2       2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. COMMENT: 2017-08-03: The payment schedule includes (e) in connection with the monthly MI changes. B B No Yes Final HUD1 PA 11/XX/2003 Purchase Primary XXX $XXX  
25059321 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OK 3/XX/2008 Refinance Primary XXX $XXX  
25976736 2       2 *** (OPEN) Initial Loan Application Status Test - EV2 *** (OPEN) Initial Loan Application Status Test COMMENT: 2019-04-04: Compliance tests were run using an application date of 03/XX/2003 which is 1 month(s) prior to consummation. B B Yes Yes Final HUD1 KY 4/XX/2003 Refinance Primary XXX $XXX  
25323530 3   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV3 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 COMMENT: 2016-06-21: Compliance testing was completed using up to a 6 month look back from the Note date. C C Yes Yes Final HUD1 TX 2/XX/2003 Refinance Primary XXX $XXX  
25797791 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) Missing Final HUD-1: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Initial TIL not provided - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing LA 9/XX/2002     XXX $XXX  
25772043 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2   B B Yes Yes Final HUD1 CA 4/XX/2004 Refinance Primary XXX $XXX  
25252418 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 08/XX/2005 - EV3 *** (OPEN) Security Instrument is not signed by borrower(s). - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OK 8/XX/2005 Refinance Primary XXX $XXX  
25538637 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing NC 9/XX/2000 UTD Primary XXX $XXX  
25923936 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NM 4/XX/2004 Refinance Primary XXX $XXX  
25514418 2   *** (OPEN) Privacy Notice is missing: Disclosure: Privacy Notice - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 7/XX/2002 Refinance Primary XXX $XXX  
25205521 2       2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CT 1/XX/2008 Refinance Primary XXX $XXX  
25087478 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 1/XX/2007 Refinance Primary XXX $XXX  
25290668 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 GA 7/XX/2007 Purchase Primary XXX $XXX  
25245342 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Initial TIL not provided - EV2 *** (OPEN) Miscellaneous Compliance: Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 MO 6/XX/2002 Refinance Primary XXX $XXX  
25563194 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV1 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1   B B Yes Yes Final HUD1 MO 2/XX/2001 Refinance Primary XXX $XXX  
25987438 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Miscellaneous Compliance: Evidence of Disbursement Date Not in File. Disbursement date used to perform compliance tests determined based on first payment date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 2/XX/2007 Refinance Primary XXX $XXX  
25574335 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state - EV2 *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state COMMENT: 2017-08-15: Late charge not allowed per the state of NY-max late charge for NY is 2%-note states 5%. B B Yes Yes Final HUD1 NY 5/XX/2004 Refinance Primary XXX $XXX  
25407406 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2 *** (OPEN) Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 06/XX/1993 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-04-03: Minimum grace period in the state of MD is 15 days-note states 10 days. B B Yes Yes HELOC Agreement MD 6/XX/1993 Refinance Primary XXX $XXX  
25980451 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 TN 8/XX/2000 Refinance Primary XXX $XXX  
25938799 1   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 12/XX/2003 - EV2   1     A A Yes Yes Final HUD1 NY 2/XX/2004 Refinance Primary XXX $XXX  
25653808 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-10-09: State grace period of 10 days is less than 15 days required in Maryland. D D Yes No Missing MD 10/XX/2000 UTD Primary XXX $XXX  
25403643 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 10/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 DE 10/XX/2006 Refinance Primary XXX $XXX  
25148270 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AL 11/XX/2005 Refinance Primary XXX $XXX  
25274816 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CO 7/XX/2007 Refinance Primary XXX $XXX  
25200397 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 NY 6/XX/2006 Purchase Primary XXX $XXX  
25154804 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-08-23: Itemization did not disclose the recording fee of $112 as prepaid finance charges. B B Yes Yes Final HUD1 OH 8/XX/2006 Refinance Primary XXX $XXX  
25217530 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-04-12: TIL itemization did not disclose the $125 pick up fee as a prepaid finance charge. B B Yes Yes Final HUD1 NY 4/XX/2005 Refinance Primary XXX $XXX  
25033915 1       1     A A Yes Yes Final HUD1 CA 4/XX/2003 Refinance Primary XXX $XXX  
25332224 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 MA 3/XX/2005 Purchase Primary XXX $XXX  
25628788 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 07/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 7/XX/2006 Refinance Primary XXX $XXX  
25332531 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 6/XX/2006 Purchase Primary XXX $XXX  
25292038 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 CO 12/XX/2005 Purchase Primary XXX $XXX  
25787167 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MO 5/XX/2005 Refinance Primary XXX $XXX  
25254428 1       1     A A Yes Yes Final HUD1 WV 2/XX/2006 Refinance Primary XXX $XXX  
25680707 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-04-11: Late charge of 10% exceeds (NC) State maximum of 4%. B B Yes Yes Final HUD1 NC 7/XX/2002 Refinance Primary XXX $XXX  
25009172 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 09/XX/2003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MO 9/XX/2003 Refinance Primary XXX $XXX  
25246931 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2004 Refinance Primary XXX $XXX  
25683873 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2004 Refinance Primary XXX $XXX  
25195751 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 12/XX/2006 Refinance Primary XXX $XXX  
25621018 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 6/XX/2007 Refinance Primary XXX $XXX  
25615905 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 1/XX/2004 Refinance Primary XXX $XXX  
25922769 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 7/XX/2003 Refinance Primary XXX $XXX  
25957551 2       2 *** (OPEN) 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. - EV2 *** (OPEN) Note Error: Note grace period days less than minimum per state - EV2 *** (OPEN) Note Error: Note grace period days less than minimum per state COMMENT: 2018-08-24: Tennessee Late charges apply after 10 days, this loan states 5 days B B Yes Yes Final HUD1 TN 4/XX/2007 Refinance Primary XXX $XXX  
25990762 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 TN 3/XX/2007 Purchase Primary XXX $XXX  
25149168 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 AL 8/XX/2004 Refinance Primary XXX $XXX  
25579595 2   *** (OPEN) Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: 09/XX/2004 - EV2 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 MO 10/XX/2004 Refinance Primary XXX $XXX  
25207607 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 8/XX/2005 Refinance Primary XXX $XXX  
25449932 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 OH 1/XX/2007 Purchase Primary XXX $XXX  
25130121 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-04-02: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 NJ 9/XX/2004 Purchase Primary XXX $XXX  
25840675 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing IN 10/XX/2003 Refinance Primary XXX $XXX  
25325708 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 KS 7/XX/2006 Refinance Primary XXX $XXX  
25014945 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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 - EV2   B B Yes Yes Final HUD1 FL 8/XX/2007 Refinance Primary XXX $XXX  
25252531 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 LA 2/XX/2003 Refinance Primary XXX $XXX  
25923900 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 11/XX/2001 Refinance Primary XXX $XXX  
25807646 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-04-03: Unable to determine cause of under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 NY 7/XX/2000 Refinance Primary XXX $XXX  
25737939 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2008 - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 7/XX/2008 Refinance Primary XXX $XXX  
25492853 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2   D D Yes Yes HUD1, not signed or stamped MI 11/XX/2001 Refinance Primary XXX $XXX  
25171799 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 08/XX/2004 - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 8/XX/2004 Refinance Primary XXX $XXX  
25896160 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 3/XX/2008 Refinance Primary XXX $XXX  
25860725 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2   B B Yes No HELOC Agreement MD 9/XX/1990 Refinance Primary XXX $XXX  
25847707 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 11/XX/1994 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes HELOC Agreement ID 12/XX/1994 Refinance Primary XXX $XXX  
25724012 1   *** (CLEARED) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV1 *** (CLEARED) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: COMMENT: 2018-04-06: Appraisal not provided 1     A A Yes Yes Final HUD1 OH 12/XX/2002 Refinance Primary XXX $XXX  
25501689 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IA 8/XX/2006 Refinance Primary XXX $XXX  
25399267 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 4/XX/2006 Refinance Primary XXX $XXX  
25865135 1       1     A A No Yes Final HUD1 NE 3/XX/2004 Purchase Primary XXX $XXX  
25656860 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 MD 11/XX/2000 Purchase Primary XXX $XXX  
25561489 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 11/XX/2004 Refinance Primary XXX $XXX  
25572687 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-04-11: 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%. B B Yes Yes Final HUD1 VA 11/XX/2005 Refinance Primary XXX $XXX  
25095521 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 10/XX/2004 Refinance Primary XXX $XXX  
25458591 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) (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.) - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 TX 3/XX/2006 Refinance Primary XXX $XXX  
25148369 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 12/XX/2006 Refinance Primary XXX $XXX  
25999457 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 8/XX/2006 Refinance Primary XXX $XXX  
25251443 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B Yes Yes HELOC Agreement CA 9/XX/1992 Refinance Primary XXX $XXX  
25499857 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/1998 - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 WA 10/XX/1998 Refinance Primary XXX $XXX  
25244092 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 MI 12/XX/2006 Refinance Primary XXX $XXX  
25145371 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing TX 4/XX/2004 Purchase UTD XXX $XXX  
25624077 3   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I COMMENT: 2018-04-06: The Promissory Note verified payment of $290.42 3 *** (OPEN) (Doc Error) HUD Error: Cash at settlement from or to borrower is blank. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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 - EV3 *** (OPEN) (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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes Yes HUD1, not signed or stamped TX 6/XX/2007 Refinance Primary XXX $XXX  
25885657 1       1     A A Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25040604 2   *** (OPEN) Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 NC 9/XX/2005 Purchase Primary XXX $XXX  
25797899 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-13: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 NJ 10/XX/2004 Refinance Primary XXX $XXX  
25435854 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A No Yes Final HUD1 MD 10/XX/2006 Purchase Primary XXX $XXX  
25249888 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 NJ 6/XX/2007 Purchase Primary XXX $XXX  
25223642 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 10/XX/2009 Refinance Primary XXX $XXX  
25665457 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 11/XX/2006 Refinance Primary XXX $XXX  
25084609 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 4/XX/2007 Refinance Primary XXX $XXX  
25260265 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 12/XX/2006 Refinance Primary XXX $XXX  
25878416 2       2 *** (OPEN) FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 6/XX/2007 Refinance Primary XXX $XXX  
25942119 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MS 8/XX/2002 Purchase Primary XXX $XXX  
25222282 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1   B B Yes Yes Final HUD1 OH 7/XX/2001 Refinance Primary XXX $XXX  
25675455 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 NY 10/XX/2007 Refinance Primary XXX $XXX  
25494963 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2   B B Yes Yes Final HUD1 NY 10/XX/2004 Refinance Primary XXX $XXX  
25047495 1   *** (OPEN) Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 12/XX/2004 - EV2   1     A A No Yes Final HUD1 LA 1/XX/2005 Purchase Primary XXX $XXX  
25546144 3       3 *** (OPEN) (Doc Error) HUD Error: Disbursement date is earlier than notary/security instrument date. - EV3 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) (Doc Error) HUD Error: Disbursement date is earlier than notary/security instrument date. COMMENT: 2018-07-14: Mortgage Notary dated 08/XX/2007 C C No Yes Final HUD1 NV 7/XX/2007 Refinance Investment XXX $XXX  
25032150 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 10/XX/2008 Refinance Primary XXX $XXX  
25787725 2   *** (OPEN) FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 6/XX/2003 Purchase Primary XXX $XXX  
25343174 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2   B B Yes Yes Final HUD1 OH 3/XX/2008 Refinance Primary XXX $XXX  
25965968 1   *** (OPEN) FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   1     A A Yes Yes Final HUD1 NJ 5/XX/2008 Purchase Primary XXX $XXX  
25414642 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 5/XX/2009 Refinance Primary XXX $XXX  
25017522 2   *** (OPEN) FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-08-24: Unable to determine cause of underdisclosure due to missing Itemization of Amount Financed B B No Yes Final HUD1 OH 8/XX/2005 Purchase Primary XXX $XXX  
25688726 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 3/XX/2007 Purchase Primary XXX $XXX  
25110215 1       1     A A No Yes Final HUD1 FL 9/XX/2004 Purchase Primary XXX $XXX  
25158479 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NM 6/XX/2008 Refinance Primary XXX $XXX  
25517871 2       2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 FL 2/XX/2007 Purchase Primary XXX $XXX  
25437654 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 IL 7/XX/2007 Purchase Primary XXX $XXX  
25016338 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing MD 5/XX/2006 UTD Primary XXX $XXX  
25481496 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 IN 10/XX/1997 Refinance Primary XXX $XXX  
25910822 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 4/XX/2004 Refinance Primary XXX $XXX  
25067160 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 6/XX/2005 Refinance Primary XXX $XXX  
25178961 1       1     A A No Yes Final HUD1 VA 10/XX/2005 Refinance Second Home XXX $XXX  
25547583 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 9/XX/2005 Refinance Primary XXX $XXX  
25514516 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 7/XX/2004 Refinance Investment XXX $XXX  
25568862 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-08-28: Unable to determine under disclosure due to missing Itemization of Amount Financed. B B Yes Yes Final HUD1 CA 7/XX/2007 Purchase Primary XXX $XXX  
25021851 3       3 *** (OPEN) 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. - EV3   D D Yes Yes HUD1, not signed or stamped WI 7/XX/2007 Refinance Primary XXX $XXX  
25725490 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MO 1/XX/2006 Refinance Primary XXX $XXX  
25170298 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (CLEARED) Missing Document: Appraisal not provided - EV1   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV1 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1 *** (OPEN) 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. COMMENT: 2018-09-24: 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 B B Yes Yes Final HUD1 OH 6/XX/2003 Refinance Primary XXX $XXX  
25076437 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing UT 4/XX/2003 Refinance Primary XXX $XXX  
25827523 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 1/XX/2004 Refinance Primary XXX $XXX  
25691006 1   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 05/XX/2006 - EV3   1     A A Yes Yes Final HUD1 NY 5/XX/2006 Refinance Primary XXX $XXX  
25920438 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-08-28: 10 day grace period is less than 15 day minimum per state (PA). B B Yes Yes Final HUD1 PA 4/XX/2007 Refinance Primary XXX $XXX  
25989870 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing AZ 8/XX/2005 UTD UTD XXX $XXX  
25106636 2   *** (OPEN) FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 1/XX/2002 Purchase Primary XXX $XXX  
25509026 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 7/XX/2007 Refinance Primary XXX $XXX  
25325638 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 3/XX/2007 Purchase Primary XXX $XXX  
25290581 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 WI 10/XX/2004 Purchase Primary XXX $XXX  
25302561 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CO 4/XX/2006 Refinance Primary XXX $XXX  
25004218 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. COMMENT: 2018-09-24: Under disclosure appears to be pay stream related due to the MI on the loan. B B No Yes Final HUD1 VA 3/XX/2008 Purchase Primary XXX $XXX  
25066039 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 8/XX/2007 Refinance Primary XXX $XXX  
25705789 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 03/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 3/XX/2007 Refinance Primary XXX $XXX  
25629356 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2007 Refinance Primary XXX $XXX  
25933736 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes Yes HUD1, not signed or stamped NJ 1/XX/2006 Refinance Primary XXX $XXX  
25782689 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-08-29: Lesser of 5% or $50 late charge exceeds 2% maximum per state (NY) D D Yes No Missing NY 6/XX/2006 Refinance Primary XXX $XXX  
25395480 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 IL 1/XX/2005 Refinance Primary XXX $XXX  
25370134 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 6/XX/2004 Refinance Primary XXX $XXX  
25860524 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) North Carolina Home Loan (Impermissible Prepayment Penalty): North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty. - EV2 *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-08-29: Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 10% *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state COMMENT: 2018-08-31: Late charge not allowed per state (NC) - max late charge for NC is 4% - note states 10% B B Yes Yes Final HUD1 NC 9/XX/2002 Refinance Primary XXX $XXX  
25158598 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2002 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 6/XX/2002 Refinance Primary XXX $XXX  
25009475 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-08-30: It appears the lender used an index lower than 5.96% which is the lowest available in the lookback period. B B No Yes Final HUD1 TX 11/XX/1999 Purchase Primary XXX $XXX  
25277271 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 08/XX/2006 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 8/XX/2006 Refinance Primary XXX $XXX  
25358180 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 DC 12/XX/2005 Refinance Primary XXX $XXX  
25622021 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 1/XX/2003 Refinance Primary XXX $XXX  
25706624 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OR 11/XX/2006 Refinance Primary XXX $XXX  
25155443 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 4/XX/2007 Refinance Primary XXX $XXX  
25723787 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 4/XX/2005 Refinance Primary XXX $XXX  
25842340 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 3/XX/2008 Refinance Primary XXX $XXX  
25800770 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 12/XX/2001 Refinance Primary XXX $XXX  
25136832 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement CA 2/XX/1993 Refinance Investment XXX $XXX  
25557959 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 1/XX/2009 Refinance Primary XXX $XXX  
25666598 2   *** (OPEN) Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Prepayment Penalty Information on Final HUD-1 Inaccurate: RESPA (2010): Final HUD-1 indicates no prepayment penalty for loan containing prepayment penalty. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. - EV2 *** (OPEN) SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2   B B Yes Yes Final HUD1 NY 6/XX/2012 Purchase Primary XXX $XXX  
25980517 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 12/XX/2007 Refinance Primary XXX $XXX  
25773723 2   *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. - EV2   B B No Yes Final HUD1 OH 4/XX/2007 Purchase Primary XXX $XXX  
25388311 1   *** (OPEN) FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   1     A A No Yes Final HUD1 TN 3/XX/2008 Purchase Primary XXX $XXX  
25894706 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IL 4/XX/2010 Purchase Primary XXX $XXX  
25454439 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MS 10/XX/2003 Purchase Primary XXX $XXX  
25197080 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 5/XX/2008 Refinance Primary XXX $XXX  
25355661 1       1     A A Yes Yes Final HUD1 NY 8/XX/2003 Purchase Primary XXX $XXX  
25776208 2   *** (OPEN) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 12/XX/2008 Purchase Primary XXX $XXX  
25669136 2       2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties COMMENT: 2018-10-11: TIL appears to be final but not signed nor initialed by borrower. B B Yes Yes Final HUD1 TX 4/XX/2007 Purchase Primary XXX $XXX  
25097242 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes Yes HUD1, not signed or stamped CT 7/XX/2006 Refinance Primary XXX $XXX  
25618469 1       1     A A Yes Yes Final HUD1 NY 3/XX/2007 Refinance Primary XXX $XXX  
25061611 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 9/XX/2006 Refinance Primary XXX $XXX  
25519501 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 07/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 8/XX/2007 Refinance Primary XXX $XXX  
25266385 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-10-11: 10 day grace period less than 15 day minimum per state (PA) B B Yes Yes Final HUD1 PA 11/XX/2004 Refinance Primary XXX $XXX  
25707338 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IL 1/XX/2008 Purchase Primary XXX $XXX  
25655357 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 2/XX/2008 Refinance Primary XXX $XXX  
25614219 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 8/XX/2007 Refinance Primary XXX $XXX  
25005734 2   *** (OPEN) FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 8/XX/2004 Purchase Primary XXX $XXX  
25814656 3       3 *** (OPEN) Missing Document: HUD-1 Addendum not provided - EV3 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. COMMENT: 2018-10-11: 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. D D Yes Yes Final HUD1 CA 8/XX/2007 Purchase Primary XXX $XXX  
25503666 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (Missing Data) Missing Information to Determine LTV: Unable to determine LTV or CLTV due to missing information. State compliance testing is unreliable. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing KS 12/XX/2003 UTD Primary XXX $XXX  
25248925 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 KS 6/XX/2008 Refinance Primary XXX $XXX  
25156928 3   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) GFE Error: Rate lock period not provided. - EV2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing NY 12/XX/2004 Refinance Primary XXX $XXX  
25826939 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) (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 - EV3 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) (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.) - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) (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. - EV1   C C Yes Yes Final HUD1 TX 8/XX/2007 Refinance Primary XXX $XXX  
25129608 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 08/XX/2005 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 10/XX/2005 Refinance Primary XXX $XXX  
25837309 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OR 3/XX/2007 Refinance Primary XXX $XXX  
25096211 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. COMMENT: 2018-10-11: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 AR 8/XX/2003 Refinance Primary XXX $XXX  
25776509 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 3/XX/2007 Refinance Primary XXX $XXX  
25956718 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 CT 4/XX/2005 Purchase Primary XXX $XXX  
25991601 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 4/XX/2007 Refinance Primary XXX $XXX  
25674181 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 11/XX/2003 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 11/XX/2003 Refinance Primary XXX $XXX  
25093144 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 CT 9/XX/2002 Refinance Primary XXX $XXX  
25698930 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 DE 2/XX/2006 Refinance Primary XXX $XXX  
25186689 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 3/XX/2006 Refinance Primary XXX $XXX  
25272901 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 KY 6/XX/2002 Refinance Primary XXX $XXX  
25099901 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MD 1/XX/2006 Purchase Primary XXX $XXX  
25152962 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 08/XX/2005 - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-10-11: The grace period is not allowed per state (MD) -the minimum grace period for MD is 15 days - this note specifies 10 days. B B Yes Yes Final HUD1 MD 8/XX/2005 Refinance Primary XXX $XXX  
25016330 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 1/XX/2006 Refinance Primary XXX $XXX  
25474441 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NH 1/XX/2004 Refinance Primary XXX $XXX  
25158763 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NH 10/XX/2003 Refinance Primary XXX $XXX  
25567857 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 8/XX/2004 Refinance Primary XXX $XXX  
25575327 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 5/XX/2006 Refinance Primary XXX $XXX  
25261817 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 OH 1/XX/2004 Refinance Primary XXX $XXX  
25863100 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 OH 5/XX/2005 Purchase Primary XXX $XXX  
25513853 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 03/XX/2004 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OR 3/XX/2004 Refinance Primary XXX $XXX  
25480775 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 4/XX/2006 Refinance Primary XXX $XXX  
25687527 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 01/XX/2004 - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-10-11: Unable to determine under disclosure due to missing Itemization of Amount Financed. B B Yes Yes Final HUD1 PA 3/XX/2004 Refinance Primary XXX $XXX  
25927123 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-10-12: 10 day grace period less than 15 day minimum per state (PA) B B Yes Yes Final HUD1 PA 10/XX/2004 Refinance Primary XXX $XXX  
25019038 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-10-11: 10 day grace period less than 15 day minimum per state (PA) B B Yes Yes Final HUD1 PA 2/XX/2007 Refinance Primary XXX $XXX  
25526465 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-10-11: 10 day grace period less than 15 day minimum per state (PA) B B Yes Yes Final HUD1 PA 8/XX/2008 Refinance Primary XXX $XXX  
25517146 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 3/XX/2006 Refinance Primary XXX $XXX  
25519632 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 11/XX/2004 Refinance Primary XXX $XXX  
25823763 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 3/XX/2006 Refinance Primary XXX $XXX  
25238653 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 12/XX/2006 Refinance Primary XXX $XXX  
25687339 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 VA 8/XX/2005 Refinance Primary XXX $XXX  
25719617 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-10-15: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 VA 7/XX/2005 Refinance Primary XXX $XXX  
25874364 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VT 11/XX/2007 Refinance Primary XXX $XXX  
25835326 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 WV 12/XX/2007 Refinance Primary XXX $XXX  
25247709 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 VT 9/XX/2003 Refinance Primary XXX $XXX  
25908677 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A Yes Yes Final HUD1 IL 11/XX/2012 Refinance Primary XXX $XXX  
25279313 2       2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-10-15: 10 day grace period is less than 15 day minimum per state (PA) B B No Yes Final HUD1 PA 1/XX/2007 Refinance Investment XXX $XXX  
25433680 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 OH 8/XX/2005 Purchase Primary XXX $XXX  
25110216 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. COMMENT: 2018-10-15: Right to Cancel not located in file. B B Yes Yes HELOC Agreement MI 6/XX/2004 Refinance Primary XXX $XXX  
25300449 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Mississippi Late Charge Percent and Amount Testing > $100,000: Note late charge exceeds maximum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Mississippi Late Charge Percent and Amount Testing > $100,000: Note late charge exceeds maximum per state. COMMENT: 2018-10-15: Late charge not allowed per state of (MS) - max late charge for (MS) is 4% - note states 5%. B B Yes Yes Final HUD1 MS 6/XX/2008 Refinance Primary XXX $XXX  
25745283 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B Yes Yes Final HUD1 NC 10/XX/2007 Refinance Primary XXX $XXX  
25812878 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 TN 8/XX/2007 Refinance Primary XXX $XXX  
25719626 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 4/XX/2005 Refinance Primary XXX $XXX  
25806230 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 9/XX/2006 Refinance Primary XXX $XXX  
25750660 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided COMMENT: 2018-08-17: High Cost testing complete - Premium and terms documented in file 2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-08-02: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be payment stream related. B B Yes Yes Final HUD1 MA 11/XX/2006 Purchase Primary XXX $XXX  
25143597 2   *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2016-02-17: Lender Credit of $2291.22 on page 1 line 206 , but no itemization in file. B B Yes Yes Final HUD1 MA 3/XX/2003 Refinance Primary XXX $XXX  
25479197 3   *** (OPEN) Missing Document: Flood Certificate not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. Any applicable Federal, State or Local compliance testing is unreliable. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. COMMENT: 2017-03-28: Missing documentation to determine the occupancy and purpose therefore compliance review defaulted to owner occupied/cash out refinance. D D Yes No Missing MD 7/XX/2005 Refinance Primary XXX $XXX  
25496835 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MD 2/XX/2005 Purchase Primary XXX $XXX  
25090487 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 8/XX/2007 Refinance Primary XXX $XXX  
25657027 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 FL 12/XX/2006 Refinance Primary XXX $XXX  
25216834 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2   B B No Yes Final HUD1 TN 5/XX/2007 Construction-Permanent Primary XXX $XXX  
25288882 3   *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file does not contain any origination documentation. D D   No Missing         XXX $XXX  
25431465 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 10/XX/2006 Refinance Primary XXX $XXX  
25535395 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 10/XX/2006 Refinance Primary XXX $XXX  
25227925 2       2 *** (OPEN) ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-28: 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. B B Yes Yes Final HUD1 FL 3/XX/2007 Refinance Primary XXX $XXX  
25260971 1   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   1     A A No Yes Final HUD1 TN 10/XX/2008 Purchase Primary XXX $XXX  
25785758 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 7/XX/2006 Refinance Primary XXX $XXX  
25112017 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 2/XX/2007 Purchase Primary XXX $XXX  
25938803 3   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2018-11-30: Appraisal not provided. 3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing CA 12/XX/2006 Purchase Primary XXX $XXX  
25289507 1       1     A A No Yes Final HUD1 MD 7/XX/2007 Purchase Primary XXX $XXX  
25890342 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 8/XX/2005 Refinance Primary XXX $XXX  
25485947 2   *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Valuation: COMMENT: 2018-11-30: Appraisal not provided. 2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-28: Under-disclosure is fee related. Unable to determine under-disclosure due to the Final TIL Itemization is missing from the file. *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-11-28: 5% late charge exceeds 2% maximum per state (NY). B B Yes Yes Final HUD1 NY 11/XX/2006 Refinance Primary XXX $XXX  
25781112 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing OH 4/XX/2006 UTD UTD XXX $XXX  
25479983 1   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   1     A A Yes Yes Final HUD1 NJ 1/XX/2008 Refinance Primary XXX $XXX  
25302419 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. COMMENT: 2018-05-30: Unable to determine under disclosure due to missing itemization of amount financed. *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-05-30: Grace period is 10 days. B B Yes Yes Final HUD1 PA 10/XX/2007 Refinance Primary XXX $XXX  
25064463 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 7/XX/2005 Refinance Primary XXX $XXX  
25949458 1       1     A A Yes Yes Final HUD1 MA 10/XX/2002 Purchase Primary XXX $XXX  
25349350 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A No Yes Final HUD1 FL 4/XX/2003 Purchase Primary XXX $XXX  
25937182 1   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3   1     A A Yes Yes Final HUD1 TX 2/XX/2007 Purchase Primary XXX $XXX  
25964457 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   3 *** (OPEN) (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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (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. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (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. COMMENT: 2019-09-30: File is missing 3rd party documentation for the borrower's income and does not have a VVOE. *** (OPEN) 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. COMMENT: 2019-09-30: 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. *** (OPEN) 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. COMMENT: 2019-10-01: The payment shown on the note does not correspond to the note terms. C C Yes Yes Final HUD1 NC 4/XX/2008 Refinance Primary XXX $XXX  
25588523 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 3/XX/2008 Refinance Primary XXX $XXX  
25125969 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2019-10-01: 10 day grace period less than 15 day minimum per state (PA) B B Yes Yes Final HUD1 PA 5/XX/2008 Refinance Primary XXX $XXX  
25639480 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 11/XX/2007 Refinance Primary XXX $XXX  
25243238 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing NJ 9/XX/1995 Purchase Primary XXX $XXX  
25148674 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 OH 5/XX/2002 Purchase Primary XXX $XXX  
25099281 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-15: Unable to determine the fee under disclosure due to missing the itemization of amount financed. D D No Yes Estimated HUD1 WA 2/XX/2003 Purchase Primary XXX $XXX  
25093556 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 ID 3/XX/2003 Refinance Primary XXX $XXX  
25328978 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 FL 12/XX/2003 Purchase Primary XXX $XXX  
25485550 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-03: Unable to determine under disclosure due to missing itemization of amount financed. B B No Yes Final HUD1 IL 9/XX/2004 Purchase Primary XXX $XXX  
25791764 1       1     A A No Yes Final HUD1 DC 8/XX/2004 Purchase Primary XXX $XXX  
25339326 1       1     A A Yes Yes Final HUD1 FL 10/XX/2004 Refinance Primary XXX $XXX  
25351219 2       2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 GA 11/XX/2004 Refinance Primary XXX $XXX  
25663802 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B Yes Yes Final HUD1 VA 4/XX/2005 Refinance Primary XXX $XXX  
25852491 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 6/XX/2005 Refinance Primary XXX $XXX  
25984782 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 7/XX/2005 Refinance Primary XXX $XXX  
25979868 1       1     A A No Yes Final HUD1 IL 7/XX/2005 Purchase Primary XXX $XXX  
25850498 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2   D D Yes Yes HUD1, not signed or stamped MA 9/XX/2005 Refinance Primary XXX $XXX  
25983700 1       1     A A Yes Yes Final HUD1 NY 11/XX/2005 Refinance Primary XXX $XXX  
25659724 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 2/XX/2006 Refinance Primary XXX $XXX  
25319928 1       1     A A Yes Yes Final HUD1 MD 4/XX/2006 Refinance Primary XXX $XXX  
25414266 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MD 11/XX/2006 Purchase Primary XXX $XXX  
25625799 1       1     A A Yes Yes Final HUD1 CA 7/XX/2006 Refinance Primary XXX $XXX  
25862844 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MD 12/XX/2006 Refinance Primary XXX $XXX  
25282235 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-07: Unable to determine under disclosure due to missing itemization of amount financed. B B No Yes Final HUD1 IL 4/XX/2007 Purchase Primary XXX $XXX  
25188678 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2007 Refinance Primary XXX $XXX  
25411974 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 5/XX/2007 Refinance Primary XXX $XXX  
25658091 1       1     A A Yes Yes Final HUD1 OR 7/XX/2007 Refinance Primary XXX $XXX  
25279669 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 7/XX/2007 Refinance Primary XXX $XXX  
25690094 2       2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2   B B Yes Yes Final HUD1 GA 6/XX/2007 Refinance Primary XXX $XXX  
25563702 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 9/XX/2007 Purchase Primary XXX $XXX  
25712099 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 10/XX/2007 Refinance Primary XXX $XXX  
25855809 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 ME 1/XX/2008 Refinance Primary XXX $XXX  
25384956 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 UT 1/XX/2008 Purchase Primary XXX $XXX  
25735503 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 11/XX/2007 Refinance Primary XXX $XXX  
25670740 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 5/XX/2008 Purchase Primary XXX $XXX  
25495701 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2   B B Yes Yes Final HUD1 NJ 7/XX/2008 Refinance Primary XXX $XXX  
25776672 1       1     A A Yes Yes Final HUD1 VA 7/XX/2008 Refinance Primary XXX $XXX  
25659710 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 TX 7/XX/2008 Purchase Primary XXX $XXX  
25524128 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 9/XX/2008 Purchase Primary XXX $XXX  
25332312 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided. - EV2 *** (OPEN) RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2   B B No Yes Final HUD1 IL 9/XX/2013 Purchase Primary XXX $XXX  
25112811 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2001 Refinance Primary XXX $XXX  
25136624 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 3/XX/2007 Refinance Primary XXX $XXX  
25022862 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 12/XX/2005 Refinance Primary XXX $XXX  
25370951 3 3 *** (OPEN) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) 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) - EV3 *** (OPEN) FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required. - EV3 *** (OPEN) GSA exclusions not checked for loan originator. - EV3 *** (OPEN) Missing Document: General Services Administration (GSA) not provided - EV3 *** (OPEN) Missing Document: Limited Denials of Participation (LDP) not provided - EV3 *** (OPEN) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV3 *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) COMMENT: 2018-01-23: Doesn't contain required signatures. *** (OPEN) FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required. COMMENT: 2018-01-23: Based on the Final CD, borrower did not contribute the full 3.5% FHA required down payment amount 3 *** (OPEN) Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is HUD Safe Harbor QM. - EV3 *** (OPEN) 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). - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) COMMENT: 2018-01-23: The Foundation Inspection fee was not disclosed on the LE or Initial CD *** (OPEN) 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) COMMENT: 2018-01-23: There was no Survey Fee disclosed on the LE or the Initial CD. This $165 Survey Fees showed up on the final HUD *** (OPEN) 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) COMMENT: 2018-01-23: 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 C B Yes No   OH 8/XX/2016 Purchase Primary XXX $XXX  
25935855 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2006 Refinance Primary XXX $XXX  
25453546 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing NJ 4/XX/2007 Refinance Primary XXX $XXX  
25289295 1       1     A A Yes Yes Final HUD1 NY 11/XX/2007 Refinance Primary XXX $XXX  
25408564 2   *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (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. COMMENT: 2018-04-12: 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%. *** (OPEN) 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. COMMENT: 2018-04-12: Under disclosure due to DSI. B B Yes Yes Final HUD1 FL 11/XX/2009 Refinance Primary XXX $XXX  
25524039 2       2 *** (OPEN) 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. - EV2 *** (OPEN) Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. - EV2   B B Yes Yes Final HUD1 ID 12/XX/2004 Refinance Primary XXX $XXX  
25608408 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 7/XX/2007 Refinance Primary XXX $XXX  
25627883 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2   B B Yes Yes Final HUD1 VA 12/XX/2006 Refinance Primary XXX $XXX  
25418260 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing SC 12/XX/2006 Purchase Primary XXX $XXX  
25710286 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CT 7/XX/2007 Refinance Primary XXX $XXX  
25292551 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NY 8/XX/2005 Purchase Primary XXX $XXX  
25521110 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 6/XX/2007 Refinance Primary XXX $XXX  
25780246 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-04-12: 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. B B Yes Yes Final HUD1 NM 8/XX/2007 Refinance Primary XXX $XXX  
25808634 3   *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file does not contain any origination documentation. D D   No Missing     UTD UTD XXX $XXX  
25753597 3   *** (OPEN) Missing Document: Stated not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing NJ 4/XX/1996 UTD UTD XXX $XXX  
25633750 1       1     A A No Yes Final HUD1 CA 4/XX/2005 Refinance Investment XXX $XXX  
25232248 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing NY 8/XX/2004 Purchase Primary XXX $XXX  
25718652 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing CA 10/XX/2003 Refinance Primary XXX $XXX  
25208588 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-08-13: 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. B B No Yes Final HUD1 MS 6/XX/2008 Purchase Primary XXX $XXX  
25727120 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 KY 10/XX/2005 Refinance Primary XXX $XXX  
25613470 1       1     A A Yes Yes Final HUD1 GA 3/XX/2006 Refinance Primary XXX $XXX  
25497678 1       1     A A No Yes Final HUD1 GA 4/XX/1996 Purchase Primary XXX $XXX  
25549775 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Initial TIL not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 LA 7/XX/2001 Purchase Primary XXX $XXX  
25560671 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing FL 6/XX/1996 Construction-Permanent Primary XXX $XXX  
25004358 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 5/XX/2002 Purchase Primary XXX $XXX  
25976526 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 10/XX/2002 Purchase Primary XXX $XXX  
25805443 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 3/XX/2003 Purchase Primary XXX $XXX  
25506628 1       1     A A Yes Yes Final HUD1 TX 3/XX/2003 Purchase Primary XXX $XXX  
25880055 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 8/XX/2003 Refinance Primary XXX $XXX  
25064007 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing NJ 9/XX/2003 Refinance Primary XXX $XXX  
25865592 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 09/XX/2003 - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 10/XX/2003 Refinance Primary XXX $XXX  
25322553 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 GA 3/XX/2004 Purchase Second Home XXX $XXX  
25154782 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 4/XX/2004 Refinance Primary XXX $XXX  
25323522 1       1     A A Yes Yes Final HUD1 NC 5/XX/2004 Refinance Primary XXX $XXX  
25163002 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 6/XX/2004 Purchase Primary XXX $XXX  
25472063 1       1     A A No Yes Final HUD1 DE 8/XX/2004 Purchase Primary XXX $XXX  
25276890 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B Yes Yes Final HUD1 TX 8/XX/2004 Purchase Primary XXX $XXX  
25401137 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 11/XX/2004 Refinance Primary XXX $XXX  
25025357 1       1     A A Yes Yes Final HUD1 IL 12/XX/2004 Refinance Primary XXX $XXX  
25692219 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-13: Unable to determine under disclosure due to missing the TIL itemization of amount financed. B B Yes Yes Final HUD1 GA 11/XX/2004 Refinance Primary XXX $XXX  
25804452 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B No Yes Final HUD1 VA 6/XX/2005 Purchase Primary XXX $XXX  
25537354 1       1     A A Yes Yes Final HUD1 KS 6/XX/2005 Refinance Primary XXX $XXX  
25405709 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 5/XX/2005 Purchase Primary XXX $XXX  
25063533 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-06: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 OH 7/XX/2005 Refinance Primary XXX $XXX  
25549080 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 8/XX/2005 Refinance Primary XXX $XXX  
25599732 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-06: Unable to determine reason for under disclosure due to missing TIL Itemization of amount financed. B B Yes Yes Final HUD1 GA 7/XX/2003 Purchase Primary XXX $XXX  
25808805 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-30: 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 B B Yes Yes Final HUD1 CA 9/XX/2005 Refinance Primary XXX $XXX  
25903659 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 6/XX/2005 Refinance Primary XXX $XXX  
25677850 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-09: The Lender's TIL reflects MI dropping off after 116 months, however, the audited TIL indicates MI should drop off after 117 months. B B No Yes Final HUD1 FL 11/XX/2005 Purchase Primary XXX $XXX  
25685374 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 GA 11/XX/2005 Purchase Primary XXX $XXX  
25593505 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 11/XX/2005 Refinance Primary XXX $XXX  
25459675 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MD 10/XX/2005 Purchase Primary XXX $XXX  
25767483 1       1     A A No Yes Final HUD1 AL 10/XX/2005 Construction-Permanent Primary XXX $XXX  
25684867 1       1     A A No Yes Final HUD1 FL 12/XX/2005 Purchase Primary XXX $XXX  
25245402 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 3/XX/2006 Refinance Primary XXX $XXX  
25020797 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 3/XX/2006 Refinance Primary XXX $XXX  
25218522 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 6/XX/2006 Refinance Primary XXX $XXX  
25028674 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-04: TIL Itemization does not disclose Settlement Fee of $295 as a prepaid finance charge. B B Yes Yes Final HUD1 FL 6/XX/2006 Refinance Primary XXX $XXX  
25417943 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B Yes Yes Final HUD1 FL 6/XX/2006 Refinance Primary XXX $XXX  
25582296 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-05: TIL Itemization did not disclose the loan tie-in fee of $95 as prepaid finance charges. B B Yes Yes Final HUD1 NV 7/XX/2006 Refinance Primary XXX $XXX  
25138419 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 7/XX/2006 Purchase Primary XXX $XXX  
25016232 1       1     A A Yes Yes Final HUD1 FL 8/XX/2006 Refinance Primary XXX $XXX  
25060874 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 9/XX/2006 Refinance Investment XXX $XXX  
25398417 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-05: TIL itemization did not disclose a release tracking fee of $50, or a courier fee of $30 as prepaid finance charges B B Yes Yes Final HUD1 CT 8/XX/2006 Refinance Primary XXX $XXX  
25915008 1       1     A A No Yes Final HUD1 AZ 11/XX/2006 Purchase Primary XXX $XXX  
25962276 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 FL 9/XX/2006 Refinance Primary XXX $XXX  
25253857 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-05: 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. B B No Yes Final HUD1 FL 9/XX/2006 Purchase Primary XXX $XXX  
25721497 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 10/XX/2006 Refinance Primary XXX $XXX  
25798275 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B Yes Yes Final HUD1 GA 1/XX/2006 Purchase Primary XXX $XXX  
25859426 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MD 11/XX/2006 Refinance Primary XXX $XXX  
25379804 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 1/XX/2007 Refinance Primary XXX $XXX  
25680311 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MI 10/XX/2006 Purchase Primary XXX $XXX  
25713868 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 2/XX/2007 Purchase Primary XXX $XXX  
25563122 1       1     A A No Yes Final HUD1 NV 3/XX/2007 Purchase Primary XXX $XXX  
25596668 1       1     A A No Yes Final HUD1 WV 2/XX/2007 Purchase Investment XXX $XXX  
25972799 1       1     A A Yes Yes Final HUD1 FL 4/XX/2007 Refinance Primary XXX $XXX  
25416229 1       1     A A No Yes Final HUD1 FL 5/XX/2007 Purchase Primary XXX $XXX  
25346103 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2007 Refinance Primary XXX $XXX  
25456873 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 TN 5/XX/2007 Purchase Primary XXX $XXX  
25812048 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 5/XX/2007 Refinance Primary XXX $XXX  
25909262 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NV 5/XX/2007 Refinance Primary XXX $XXX  
25709452 1       1     A A Yes Yes Final HUD1 MA 6/XX/2007 Purchase Primary XXX $XXX  
25886685 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 6/XX/2007 Refinance Primary XXX $XXX  
25868322 1       1     A A Yes Yes Final HUD1 FL 5/XX/2007 Refinance Primary XXX $XXX  
25691949 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. - EV2   B B No Yes Final HUD1 FL 7/XX/2007 Purchase Primary XXX $XXX  
25248088 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MN 6/XX/2007 Purchase Primary XXX $XXX  
25823111 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Initial TIL not provided - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 7/XX/2007 Refinance Primary XXX $XXX  
25417767 1       1     A A Yes Yes Final HUD1 AZ 7/XX/2007 Refinance Primary XXX $XXX  
25380806 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 7/XX/2007 Purchase Second Home XXX $XXX  
25425208 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2   B B No Yes Final HUD1 FL 4/XX/2007 Purchase Primary XXX $XXX  
25814460 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-07: TIL Itemization did not disclose a digital archive fee of $30 and a COI fee of $15 as prepaid finance charges. B B Yes Yes Final HUD1 FL 7/XX/2007 Refinance Primary XXX $XXX  
25971822 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-07: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 NY 7/XX/2007 Purchase Primary XXX $XXX  
25905863 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MD 9/XX/2007 Refinance Primary XXX $XXX  
25026856 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 9/XX/2007 Purchase Primary XXX $XXX  
25477296 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MS 9/XX/2007 Purchase Primary XXX $XXX  
25014200 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 8/XX/2007 Purchase Primary XXX $XXX  
25828559 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 9/XX/2007 Refinance Primary XXX $XXX  
25545193 1       1     A A Yes Yes Final HUD1 GA 8/XX/2007 Purchase Primary XXX $XXX  
25780254 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 AZ 10/XX/2007 Purchase Primary XXX $XXX  
25819336 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   D D Yes Yes HUD1, not signed or stamped FL 9/XX/2007 Refinance Primary XXX $XXX  
25497180 1       1     A A Yes Yes Final HUD1 TX 9/XX/2007 Purchase Primary XXX $XXX  
25381971 1       1     A A Yes Yes Final HUD1 TX 9/XX/2007 Refinance Primary XXX $XXX  
25954527 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 10/XX/2007 Purchase Primary XXX $XXX  
25607835 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NJ 10/XX/2007 Refinance Investment XXX $XXX  
25674747 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 10/XX/2007 Refinance Primary XXX $XXX  
25759360 1       1     A A Yes Yes Final HUD1 FL 10/XX/2007 Refinance Primary XXX $XXX  
25731791 1       1     A A Yes Yes Final HUD1 FL 11/XX/2007 Refinance Primary XXX $XXX  
25715416 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B No Yes Final HUD1 FL 7/XX/2006 Construction-Permanent Primary XXX $XXX  
25733733 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CO 12/XX/2007 Refinance Primary XXX $XXX  
25592046 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A Yes Yes Final HUD1 CA 11/XX/2007 Refinance Primary XXX $XXX  
25368980 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 8/XX/2007 Purchase Primary XXX $XXX  
25120416 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 11/XX/2007 Refinance Primary XXX $XXX  
25099326 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 12/XX/2007 Purchase Primary XXX $XXX  
25436717 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 1/XX/2008 Purchase Primary XXX $XXX  
25916680 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 1/XX/2008 Refinance Primary XXX $XXX  
25036951 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-26: Final TIL payment stream disclosed MI dropping off after 122 months, however the calculated payment stream reflects MI dropping off after 123 months. B B Yes Yes Final HUD1 FL 12/XX/2007 Refinance Primary XXX $XXX  
25961108 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-14: Unable to determine under disclosure due to missing Itemization of Amount Financed. B B No Yes Final HUD1 AZ 2/XX/2008 Purchase Primary XXX $XXX  
25874776 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-19: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 MA 2/XX/2008 Refinance Primary XXX $XXX  
25537247 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 2/XX/2008 Refinance Primary XXX $XXX  
25058457 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 5/XX/2008 Purchase Primary XXX $XXX  
25262264 1       1     A A Yes Yes Final HUD1 FL 5/XX/2008 Refinance Primary XXX $XXX  
25341658 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 7/XX/2008 Refinance Primary XXX $XXX  
25106652 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 8/XX/2008 Purchase Primary XXX $XXX  
25876620 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WA 10/XX/2008 Refinance Primary XXX $XXX  
25868904 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 8/XX/2005 Refinance Primary XXX $XXX  
25239737 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 10/XX/2008 Purchase Primary XXX $XXX  
25141515 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2   B B Yes Yes Final HUD1 NY 10/XX/2008 Purchase Primary XXX $XXX  
25562101 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-02: Disclosure provided 11/XX/2008. B B Yes Yes Final HUD1 OH 12/XX/2008 Refinance Primary XXX $XXX  
25745407 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 WA 12/XX/2008 Purchase Primary XXX $XXX  
25616888 1       1     A A Yes Yes Final HUD1 PA 5/XX/2009 Refinance Primary XXX $XXX  
25383396 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 5/XX/2009 Refinance Primary XXX $XXX  
25407148 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 WA 6/XX/2009 Refinance Second Home XXX $XXX  
25758909 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 PA 9/XX/2009 Purchase Primary XXX $XXX  
25156691 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 2/XX/2010 Refinance Primary XXX $XXX  
25695913 2       2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided. - EV2   B B No Yes Final HUD1 IL 2/XX/2011 Purchase Primary XXX $XXX  
25103480 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MO 2/XX/2011 Refinance Primary XXX $XXX  
25538622 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 8/XX/2011 Refinance Primary XXX $XXX  
25512047 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA: Initial escrow account statement was not provided to the borrower at closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Incorrect GFE Form Used: RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA: Initial escrow account statement was not provided to the borrower at closing. COMMENT: 2018-07-18: Dated 05/XX/2012. B B No Yes Final HUD1 MO 5/XX/2012 Purchase Primary XXX $XXX  
25888035 1       1     A A Yes Yes Final HUD1 CT 8/XX/2012 Refinance Primary XXX $XXX  
25271765 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 9/XX/2012 Refinance Primary XXX $XXX  
25019799 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. - EV2 *** (OPEN) SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties COMMENT: 2018-07-19: Final TIL not signed however, Acknowledgement of Receipt in file signed by borrower. B B Yes Yes Final HUD1 CA 12/XX/2012 Refinance Primary XXX $XXX  
25704090 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 SD 12/XX/2013 Purchase Primary XXX $XXX  
25733907 3 3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided COMMENT: 2018-06-26: File is missing the Mortgage Insurance Certificate to verify lender obtained coverage of at least 25% as required by LP Condition #4F. 2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-26: 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. *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. COMMENT: 2018-06-26: Final GFE reflects a payment of $823.15; HUD verifies the payment is $816.55. *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. COMMENT: 2018-06-26: Final GFE reflects a loan amount of $162,000.00; Note verifies the loan amount is $160,700.00. *** (OPEN) 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. COMMENT: 2018-07-16: Notice of Right to Cancel on Form H-8 was used for lender to lender refinance; Form H-9 should have been used. B B Yes Yes Final HUD1 MN 3/XX/2015 Refinance Primary XXX $XXX  
25289350 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 1/XX/2002 Purchase Primary XXX $XXX  
25882248 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-10: 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. D D No Yes HUD1, not signed or stamped GA 6/XX/2002 Purchase Primary XXX $XXX  
25093080 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-12: Final Truth in Lending statement does not account for monthly mortgage insurance premium in payment stream, which is documented in file with cert. B B Yes Yes Final HUD1 IL 1/XX/2003 Purchase Primary XXX $XXX  
25948582 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-10: TIL itemization did not disclose an underwriting fee of $250 or flood cert fee of $13.50 as prepaid finance charges. B B No Yes Final HUD1 FL 2/XX/2003 Purchase Primary XXX $XXX  
25167612 1       1     A A No Yes Final HUD1 FL 2/XX/2003 Purchase Primary XXX $XXX  
25923679 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 WI 2/XX/2003 Refinance Primary XXX $XXX  
25022764 1       1     A A Yes Yes Final HUD1 TX 3/XX/2003 Purchase Primary XXX $XXX  
25256302 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 IL 1/XX/1999 Refinance Primary XXX $XXX  
25088267 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-17: 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. B B Yes Yes Final HUD1 CA 4/XX/2005 Refinance Primary XXX $XXX  
25938791 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 1/XX/2006 Refinance Primary XXX $XXX  
25861866 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2   B B Yes Yes Final HUD1 FL 3/XX/2006 Refinance Primary XXX $XXX  
25330725 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) 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. COMMENT: 2018-07-17: Unable to determine under disclosure due to missing itemization of amount financed. *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-07-17: Late charge not allowed per state (NY) - max late charge for NY is 2% - note states 5%. B B Yes Yes Final HUD1 NY 8/XX/2006 Refinance Primary XXX $XXX  
25608788 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NV 7/XX/2007 Refinance Primary XXX $XXX  
25341786 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2   B B Yes Yes Final HUD1 NC 12/XX/2005 Refinance Primary XXX $XXX  
25031497 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2019-10-02: Appraisal not provided. 2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 7/XX/2006 Refinance Primary XXX $XXX  
25357887 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2 *** (OPEN) 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. COMMENT: 2019-10-01: Under disclosure appears to be due to calculation of the simple interest payment stream. B B Yes Yes Final HUD1 TN 5/XX/2007 Refinance Primary XXX $XXX  
25118930 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-10-01: TIL itemization did not disclose an attorney fee of $250 as a prepaid finance charge. B B Yes Yes Final HUD1 SC 9/XX/2006 Refinance Primary XXX $XXX  
25912301 1       1     A A No Yes HELOC Agreement IL 3/XX/2006 Refinance Primary XXX $XXX  
25435326 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Initial Rate Lock rate date is not documented in file. COMMENT: 2019-10-01: No rate lock in the file 3 *** (OPEN) (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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2 *** (OPEN) (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. COMMENT: 2019-10-01: Loan file does not contain evidence of a credit report, verbal/written verification of employment, or evidence of loan approval/ATR analysis. *** (OPEN) 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. COMMENT: 2019-10-01: 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. *** (OPEN) (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. COMMENT: 2019-10-01: Loan file does not contain evidence of a credit report, verbal/written verification of employment, or evidence of loan approval/ATR analysis. *** (OPEN) 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. COMMENT: 2019-10-01: 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. C C Yes Yes Final HUD1 NC 12/XX/2009 Refinance Primary XXX $XXX  
25742813 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2019-10-02: Appraisal not provided. 2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 5/XX/2007 Refinance Primary XXX $XXX  
25461952 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B Yes Yes Final HUD1 TN 12/XX/2005 Refinance Primary XXX $XXX  
25417069 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 LA 6/XX/2006 Refinance Primary XXX $XXX  
25769118 3       3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2017-05-08: Status is Missing. File does not include documentation for the subject loan. D D   No           XXX $XXX  
25650123 2       2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2007 Purchase Primary XXX $XXX  
25906029 2   *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Flood Certificate Error: Flood zone was not provided. - EV2 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2017-05-09: Under disclosure is due to loan calculating as DSI 1/366 B B Yes Yes Final HUD1 NJ 1/XX/2008 Refinance Primary XXX $XXX  
25527435 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 GA 6/XX/2008 Refinance Primary XXX $XXX  
25197005 3   *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3   3 *** (OPEN) (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. - EV3 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 TX 6/XX/2007 Refinance Primary XXX $XXX  
25163443 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 WV 9/XX/2004 Refinance Primary XXX $XXX  
25452947 1       1     A A Yes Yes Final HUD1 CT 10/XX/2005 Refinance Primary XXX $XXX  
25903783 2   *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2017-07-03: Verified all fees to itemization of amount financed. Verified all terms of arm loan, UTD reason for pay stream difference. B B Yes Yes Final HUD1 WA 7/XX/2002 Refinance Primary XXX $XXX  
25547827 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) (Missing Data) Property Type: Property Type for the Primary Valuation was not provided. Any applicable Federal, State or Local compliance testing is unreliable. - EV3 *** (OPEN) Missing Final HUD-1: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (CURED) (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. - EV2 *** (CURED) (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. - EV2 *** (CURED) (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. - EV2 *** (CURED) (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. - EV2 *** (CURED) (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. - EV2 *** (CURED) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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 - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing TX 12/XX/2006 Refinance Primary XXX $XXX  
25603113 1   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Title: Evidence of title is missing COMMENT: 2017-07-17: File does not contain either Preliminary or Final Title 1     A A Yes Yes Final HUD1 NJ 12/XX/2006 Refinance Primary XXX $XXX  
25157982 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 2/XX/2007 Refinance Primary XXX $XXX  
25964194 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   D D Yes Yes HUD1, not signed or stamped IL 12/XX/2006 Refinance Primary XXX $XXX  
25060872 3   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Title: Evidence of title is missing COMMENT: 2017-10-02: File does not contain either Preliminary or Final Title. 3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. COMMENT: 2017-10-02: Signature line and cash to/from borrower is cut off D D Yes Yes Illegible HUD1 IL 8/XX/2004 Refinance Primary XXX $XXX  
25733259 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing IL 7/XX/2006 Purchase Primary XXX $XXX  
25054187 3       3 *** (OPEN) 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. - EV3   D D Yes Yes HUD1, not signed or stamped IL 1/XX/2008 Refinance Investment XXX $XXX  
25169761 2   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Title: Evidence of title is missing COMMENT: 2017-07-07: File does not contain either Preliminary or Final Title 2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MN 12/XX/2004 Refinance Primary XXX $XXX  
25538673 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 4/XX/2007 Purchase Primary XXX $XXX  
25411863 3   *** (OPEN) Privacy Notice is missing: Disclosure: Privacy Notice - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (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. - EV2 *** (OPEN) Loan Program Info Disclosure is missing: Disclosure: Loan Program Info Disclosure - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2   C C Yes Yes HELOC Agreement IL 7/XX/2011 Refinance Primary XXX $XXX  
25540032 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (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.) - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 TX 2/XX/2006 Refinance Primary XXX $XXX  
25036837 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 PA 4/XX/2005 Purchase Primary XXX $XXX  
25565939 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2   B B Yes Yes Final HUD1 OH 4/XX/2002 Refinance Primary XXX $XXX  
25504496 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-11: Loan is cross collateralized with 324 NW 18th Ter and 323 NW 18th Ter. B B No Yes Final HUD1 FL 10/XX/2006 Construction-Permanent Primary XXX $XXX  
25465083 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 10/XX/2005 Refinance Primary XXX $XXX  
25401446 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Note Error: Note grace period days less than minimum per state - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Note Error: Note grace period days less than minimum per state COMMENT: 2018-03-31: Late charge not allowed per state (TN) Minimum 10 days grace period, note states 5 days B B Yes Yes Final HUD1 TN 11/XX/2007 Refinance Primary XXX $XXX  
25699993 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 MA 9/XX/2009 Purchase Primary XXX $XXX  
25478094 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing PA 8/XX/2004 Refinance Primary XXX $XXX  
25311532 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 TX 6/XX/2008 Refinance Primary XXX $XXX  
25862534 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2 *** (OPEN) 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 - EV2   B B Yes Yes Final HUD1 NY 11/XX/2006 Refinance Primary XXX $XXX  
25620171 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 9/XX/2004 Refinance Primary XXX $XXX  
25738119 1       1     A A No Yes Final HUD1 FL 11/XX/2007 Refinance Investment XXX $XXX  
25485590 2       2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-04-02: TIL Itemization only disclosed origination charges in the amount of $10,721.10, however, final HUD reflects $5865.01 B B No Yes Final HUD1 NY 12/XX/2007 Purchase Primary XXX $XXX  
25648581 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 LA 10/XX/2004 Refinance Primary XXX $XXX  
25986523 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AL 2/XX/2006 Refinance Primary XXX $XXX  
25592022 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-04-03: 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. B B Yes Yes Final HUD1 KS 2/XX/2001 Refinance Primary XXX $XXX  
25008319 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/1998 - EV2   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-04-11: Index used was not found and lowest index available in the lookback period is 5.10% B B Yes Yes Final HUD1 MI 9/XX/1998 Refinance Primary XXX $XXX  
25279052 2   *** (OPEN) FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. - EV2   B B No Yes Final HUD1 OH 10/XX/2007 Purchase Primary XXX $XXX  
25546589 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Illinois Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Illinois Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-06-12: Ilinois max is 5%, this loan @ 6% B B Yes Yes Final HUD1 IL 10/XX/2006 Refinance Primary XXX $XXX  
25862927 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 03/XX/2007 - EV3   2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-06-18: 10 day grace period less than 15 day minimum per state (PA) B B Yes Yes Final HUD1 PA 5/XX/2007 Refinance Primary XXX $XXX  
25937898 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MD 1/XX/2009 Refinance Primary XXX $XXX  
25018960 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-12: TIL itemization only disclosed settlement charges in the amount of $700 and final HUD reflects $795. B B Yes Yes Final HUD1 NY 2/XX/2003 Refinance Primary XXX $XXX  
25373070 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 12/XX/2004 Refinance Primary XXX $XXX  
25707561 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 UT 1/XX/2008 Refinance Investment XXX $XXX  
25506009 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 03/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 3/XX/2007 Refinance Primary XXX $XXX  
25704917 2   *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2   B B No Yes Final HUD1 KS 5/XX/2011 Purchase Primary XXX $XXX  
25437448 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2   B B Yes Yes Final HUD1 FL 4/XX/2008 Refinance Primary XXX $XXX  
25513067 3       3 *** (OPEN) 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. - EV3 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   D D Yes Yes Estimated HUD1 CA 3/XX/2007 Refinance Primary XXX $XXX  
25130738 1       1     A A Yes Yes Final HUD1 MD 6/XX/2006 Refinance Primary XXX $XXX  
25405003 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) New York Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Note Error: Note late charge percentage exceeds maximum per state COMMENT: 2018-08-29: Late charge of 10% exceeds the 2% maximum for the state of NY. D D Yes No Missing NY 10/XX/2001 UTD Primary XXX $XXX  
25611813 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-08-27: 10 day grace period is less than 15 day minimum per state (PA). B B Yes Yes Final HUD1 PA 3/XX/2006 Refinance Primary XXX $XXX  
25684060 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   C C Yes Yes Final HUD1 NJ 12/XX/2004 Refinance Primary XXX $XXX  
25079634 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 10/XX/2005 Refinance Primary XXX $XXX  
25883069 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 10/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 10/XX/2006 Refinance Primary XXX $XXX  
25666687 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing CA 10/XX/2004 Refinance Primary XXX $XXX  
25946743 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-08-29: 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. B B Yes Yes Final HUD1 MI 2/XX/2001 Refinance Primary XXX $XXX  
25881546 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-08-29: Index value as disclosed on the TIL is 3.9%. Closest in the look back period is 3.91%. B B Yes Yes Final HUD1 OH 9/XX/2005 Refinance Primary XXX $XXX  
25122380 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MD 8/XX/2006 Refinance Primary XXX $XXX  
25104610 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OK 11/XX/2004 Refinance Primary XXX $XXX  
25209262 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 1/XX/2009 Refinance Primary XXX $XXX  
25090639 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) RTC Error: Right to Cancel expiration date is blank. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. - EV2   B B Yes Yes Final HUD1 AL 9/XX/2005 Refinance Primary XXX $XXX  
25974796 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CO 10/XX/2005 Refinance Primary XXX $XXX  
25422382 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 GA 6/XX/2005 Refinance Primary XXX $XXX  
25649649 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-08-29: 10 day grace period is less than 15 day minimum per state PA B B Yes Yes Final HUD1 PA 2/XX/2005 Refinance Primary XXX $XXX  
25100133 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 WA 4/XX/2005 Refinance Primary XXX $XXX  
25519217 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 9/XX/2006 Refinance Primary XXX $XXX  
25217519 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-08-31: It appears the lender used an index lower than 4.88% which is the lowest available in the lookback period. B B No Yes Final HUD1 TX 11/XX/1999 Purchase Primary XXX $XXX  
25586436 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 11/XX/2005 Refinance Primary XXX $XXX  
25278940 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 NY 9/XX/2007 Refinance Primary XXX $XXX  
25961890 1   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 09/XX/2009 - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   1     A A Yes Yes Final HUD1 NY 9/XX/2009 Refinance Primary XXX $XXX  
25740119 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25230578 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 8/XX/2003 Refinance Primary XXX $XXX  
25134619 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 12/XX/2007 Refinance Primary XXX $XXX  
25788767 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WV 8/XX/2003 Refinance Primary XXX $XXX  
25087659 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-10-16: State grace period of 10 days is less than 15 days required in New Jersey. C C Yes Yes Final HUD1 NJ 7/XX/2005 Refinance Primary XXX $XXX  
25777466 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 10/XX/2004 Refinance Primary XXX $XXX  
25186472 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) Missing Document: HUD-1 Addendum not provided - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV1 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1   D D Yes Yes Final HUD1 OH 9/XX/2003 Refinance Primary XXX $XXX  
25611752 1       1     A A No Yes Final HUD1 CA 6/XX/2008 Refinance Investment XXX $XXX  
25888128 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 10/XX/2005 Refinance Primary XXX $XXX  
25018893 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 NJ 9/XX/2005 Refinance Primary XXX $XXX  
25301532 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 HI 4/XX/2006 Refinance Primary XXX $XXX  
25969585 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 LA 2/XX/2004 Refinance Primary XXX $XXX  
25254130 1   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 05/XX/2004 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 OH 5/XX/2004 Refinance Primary XXX $XXX  
25509837 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 9/XX/2007 Refinance Primary XXX $XXX  
25042182 3   *** (OPEN) Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2018-11-29: Appraisal not provided. 3 *** (OPEN) Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing FL 11/XX/2008 Purchase Primary XXX $XXX  
25571852 2       2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA Affiliated Business Arangement Disclosure Compliant: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties COMMENT: 2015-07-22: TIL in file presumed to be the Final TIL is dated the same as the funding date and is unsigned. *** (OPEN) Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. COMMENT: 2015-07-22: Could not locate in File *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. COMMENT: 2015-07-24: TIL in file presumed to be the Final TIL is dated the same as the funding date and is unsigned. *** (OPEN) RESPA Affiliated Business Arangement Disclosure Compliant: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. COMMENT: 2015-07-22: Unsigned *** (OPEN) 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. COMMENT: 2015-07-29: TIL in file presumed to be the Final TIL is dated the same as the funding date and is unsigned. B B Yes Yes Final HUD1 CA 10/XX/2005 Refinance Primary XXX $XXX  
25057484 2       2 *** (OPEN) Initial TIL not provided - EV2 *** (OPEN) Initial TIL not provided COMMENT: 2015-11-18: Til Is missing B B Yes Yes Final HUD1 FL 8/XX/2008 Refinance Primary XXX $XXX  
25984057 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-11-29: The Lender's TIL reflects MI dropping off after 153 months, however, the audited TIL indicates MI should drop off after 166 months. B B No Yes Final HUD1 NV 7/XX/2007 Purchase Primary XXX $XXX  
25498310 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-11-27: Note grace period of 10 days is less than minimum of 15 days per state of MD. D D Yes No Missing MD 8/XX/2006 Refinance Primary XXX $XXX  
25486952 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2018-11-30: Appraisal not provided. 3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. COMMENT: 2018-11-27: Unable to clear exception with documentation that was provided. Received previously provided final HUD C C Yes Yes Final HUD1 MA 5/XX/2006 Refinance Primary XXX $XXX  
25638187 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2 *** (OPEN) Missing Valuation: COMMENT: 2018-11-30: Appraisal not provided. 2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 WA 10/XX/2006 Refinance Primary XXX $XXX  
25483086 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2   B B Yes Yes Final HUD1 MD 10/XX/2006 Refinance Primary XXX $XXX  
25737577 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 8/XX/2005 Refinance Primary XXX $XXX  
25344689 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 CA 12/XX/2005 Purchase Primary XXX $XXX  
25906696 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2018-11-30: Appraisal not provided. 2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1   B B Yes Yes Final HUD1 FL 11/XX/2003 Refinance Primary XXX $XXX  
25374393 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 TX 7/XX/2007 Refinance Primary XXX $XXX  
25897717 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Loan was portrayed as first lien but found to be a second lien - EV2 *** (OPEN) Kansas Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) Kansas Prepayment Penalty: Kansas Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 6 months. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (Doc Error) Loan was portrayed as first lien but found to be a second lien COMMENT: 2019-10-01: Final Title indicates there is a previous mortgage for which there is no coverage which puts this lien in second position. *** (OPEN) Kansas Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. COMMENT: 2019-10-01: 5% late charge exceeds the lesser than 5% or $25 maximum per state (KS) *** (OPEN) Kansas Prepayment Penalty: Kansas Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 6 months. COMMENT: 2019-10-01: 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. B B Yes Yes Final HUD1 KS 7/XX/2004 Refinance Primary XXX $XXX  
25103154 2   *** (OPEN) Title: Evidence of title is missing - EV3   2 *** (OPEN) Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 NJ 4/XX/2008 Refinance Primary XXX $XXX  
25603103 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 11/XX/2007 Refinance Primary XXX $XXX  
25853012 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 10/XX/2007 Refinance Primary XXX $XXX  
25785071 1   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   1     A A Yes Yes Final HUD1 MA 11/XX/2008 Refinance Primary XXX $XXX  
25340964 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2019-10-01: 10 day grace period less than 15 day minimum per state PA B B Yes Yes Final HUD1 PA 6/XX/2008 Refinance Primary XXX $XXX  
25845694 3       3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-10-01: Loan file does not contain any origination documentation. D D   No Missing     UTD UTD XXX $XXX  
25793700 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing NC 11/XX/2003 Refinance Primary XXX $XXX  
25783994 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2019-10-01: 10 day grace period is less than 15 day minimum per state (PA) B B Yes Yes Final HUD1 PA 10/XX/2007 Refinance Primary XXX $XXX  
25426482 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 11/XX/1999 Refinance Primary XXX $XXX  
25475660 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IA 12/XX/2005 Purchase Primary XXX $XXX  
25757117 2       2 *** (OPEN) 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) - EV2   B B No Yes Final HUD1 MI 4/XX/2006 Refinance Second Home XXX $XXX  
25381039 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No Yes Final HUD1 VA 1/XX/2000 Purchase Primary XXX $XXX  
25938926 1   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 NC 1/XX/2000 Refinance Investment XXX $XXX  
25796497 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 NC 1/XX/2000 Refinance Investment XXX $XXX  
25996955 3   *** (OPEN) Incomplete Document: Note - Subject Lien is incomplete - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2 *** (OPEN) Incomplete Document: Note - Subject Lien is incomplete COMMENT: 2019-03-14: Note does not state principal balance and interest rate. 3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing VA 1/XX/2000 Purchase Primary XXX $XXX  
25717665 1       1     A A Yes Yes Final HUD1 MA 8/XX/2006 Purchase Primary XXX $XXX  
25622598 1       1     A A Yes Yes Final HUD1 WA 1/XX/2007 Refinance Primary XXX $XXX  
25064260 1       1     A A No Yes Final HUD1 MI 7/XX/2007 Purchase Primary XXX $XXX  
25662390 1       1     A A Yes Yes Final HUD1 MA 9/XX/2007 Refinance Primary XXX $XXX  
25445211 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-26: 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. B B No Yes Final HUD1 VA 3/XX/2000 Purchase Primary XXX $XXX  
25690291 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2000 Refinance Primary XXX $XXX  
25197540 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) North Carolina Home Loan (Impermissible Prepayment Penalty): North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 5/XX/2000 Refinance Primary XXX $XXX  
25516014 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: TIL itemization did not include the $450 attorney fee as a prepaid finance charge. B B No Yes Final HUD1 VA 6/XX/2000 Purchase Primary XXX $XXX  
25905769 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 PA 2/XX/2001 Purchase Primary XXX $XXX  
25027772 1   *** (OPEN) Credit Exception: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Credit Exception: COMMENT: 2019-01-04: Appraisal lists subject property as owner occupied commercial. 1     A A No Yes Final HUD1 NJ 3/XX/2001 Refinance Investment XXX $XXX  
25399990 3   *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file only contains the security instrument. D D   No Missing     Purchase Primary XXX $XXX  
25524902 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 PA 9/XX/2001 Purchase Primary XXX $XXX  
25623347 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Under-disclosure is fee related. Unable to determine under-disclosure due to the Final TIL Itemization is missing from the file. B B Yes Yes Final HUD1 PA 11/XX/2001 Refinance Primary XXX $XXX  
25107815 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 7/XX/2000 Refinance Primary XXX $XXX  
25733556 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 7/XX/2000 Refinance Primary XXX $XXX  
25651207 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing VA 7/XX/2000 Purchase Primary XXX $XXX  
25719513 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 7/XX/2000 Refinance Primary XXX $XXX  
25281529 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 8/XX/2000 Purchase Primary XXX $XXX  
25304582 3   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 NC 8/XX/2000 Refinance Primary XXX $XXX  
25452632 3   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2   D D No No Missing VA 8/XX/2000 Purchase Primary XXX $XXX  
25401162 1   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 9/XX/2000 Purchase Primary XXX $XXX  
25491345 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: The itemization of amount financed did not include the attorney fee of $250 as a prepaid finance charge. B B Yes Yes Final HUD1 VA 9/XX/2000 Refinance Primary XXX $XXX  
25114755 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 9/XX/2000 Refinance Primary XXX $XXX  
25412783 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: TIL itemization did not disclose an attorney fee of $750 or a courier fee of $30 as prepaid finance charges. B B No Yes Final HUD1 VA 11/XX/2000 Purchase Primary XXX $XXX  
25137997 1   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 11/XX/2000 Purchase Primary XXX $XXX  
25220201 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 11/XX/2000 Purchase Primary XXX $XXX  
25690272 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: TIL itemization did not include the $30 flood cert fee or the $100 settlement fee as prepaid finance charges. B B No Yes Final HUD1 VA 11/XX/2000 Purchase Primary XXX $XXX  
25160624 1   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 11/XX/2000 Purchase Primary XXX $XXX  
25006913 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1   B B Yes Yes Final HUD1 NC 12/XX/2000 Refinance Primary XXX $XXX  
25486223 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NJ 2/XX/2002 Purchase Investment XXX $XXX  
25411254 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 12/XX/2000 Refinance Primary XXX $XXX  
25750499 1   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 3/XX/2001 Purchase Primary XXX $XXX  
25139293 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 2/XX/2001 Refinance Primary XXX $XXX  
25206755 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 NC 2/XX/2001 Refinance Primary XXX $XXX  
25313056 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2001 Refinance Primary XXX $XXX  
25846314 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: TIL itemization did not disclose an attorney fee of $125 as a prepaid finance charge. B B Yes Yes Final HUD1 VA 3/XX/2001 Refinance Primary XXX $XXX  
25349278 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2001 Refinance Primary XXX $XXX  
25534209 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2001 Refinance Primary XXX $XXX  
25641569 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization did not include the $125 settlement fee as a prepaid finance charge. B B No Yes Final HUD1 VA 5/XX/2001 Purchase Primary XXX $XXX  
25030995 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 5/XX/2001 Refinance Primary XXX $XXX  
25798270 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 6/XX/2001 Refinance Primary XXX $XXX  
25234381 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 7/XX/2001 Refinance Primary XXX $XXX  
25531011 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 7/XX/2001 Refinance Investment XXX $XXX  
25638017 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 8/XX/2001 Refinance Primary XXX $XXX  
25854884 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B Yes Yes Final HUD1 VA 8/XX/2001 Refinance Primary XXX $XXX  
25399149 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Itemization of amount financed did not disclose $258.28 prepaid interest. B B Yes Yes Final HUD1 VA 11/XX/2001 Refinance Primary XXX $XXX  
25451460 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 10/XX/2001 Refinance Primary XXX $XXX  
25254000 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 11/XX/2001 Refinance Primary XXX $XXX  
25514680 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Itemization did not disclose $603.28 Attorney fees, $20 flood determination fee, or $19 recording fee therefore causing under disclosure. B B No Yes Final HUD1 VA 12/XX/2001 Purchase Primary XXX $XXX  
25448046 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Itemization did not disclose $500 Attorney fees or $30 Flood cert therefore causing under disclosure. B B No Yes Final HUD1 VA 12/XX/2001 Purchase Primary XXX $XXX  
25259121 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 1/XX/2002 Refinance Primary XXX $XXX  
25989591 2   *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 1/XX/2002 Refinance Primary XXX $XXX  
25601819 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Itemization only disclosed the $1500 origination fee as a prepaid finance charge. B B No Yes Final HUD1 VA 2/XX/2002 Purchase Primary XXX $XXX  
25839687 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 4/XX/2002 Purchase Investment XXX $XXX  
25272123 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 4/XX/2002 Refinance Primary XXX $XXX  
25779764 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Itemization of amount financed reflects a lump sum finance charge of $908.16 however the audited finance charges total $1268.16 B B Yes Yes Final HUD1 VA 5/XX/2002 Refinance Primary XXX $XXX  
25816165 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 6/XX/2002 Refinance Primary XXX $XXX  
25178271 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 8/XX/2002 Refinance Primary XXX $XXX  
25439640 1       1     A A No Yes Final HUD1 NC 8/XX/2002 Refinance Investment XXX $XXX  
25967207 1       1     A A Yes Yes Final HUD1 NC 7/XX/2002 Purchase Primary XXX $XXX  
25959649 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Unable to determine under disclosure due to missing Itemization of amount financed. B B Yes Yes Final HUD1 IN 8/XX/2002 Refinance Primary XXX $XXX  
25079358 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 8/XX/2002 Refinance Primary XXX $XXX  
25486607 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 9/XX/2002 Refinance Primary XXX $XXX  
25804168 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: Itemization does not list $450 origination as prepaid finance charge. C C Yes Yes Final HUD1 NC 9/XX/2002 Refinance Primary XXX $XXX  
25341656 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 9/XX/2002 Refinance Primary XXX $XXX  
25928192 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Final Title Policy is missing. No evidence of title in file. COMMENT: 2018-12-27: File does not contain either Preliminary or Final Title. 2 *** (OPEN) 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) - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 9/XX/2002 Purchase Investment XXX $XXX  
25023137 1   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   1     A A No Yes Final HUD1 VA 9/XX/2002 Purchase Primary XXX $XXX  
25501920 1       1     A A Yes Yes Final HUD1 VA 9/XX/2002 Refinance Primary XXX $XXX  
25893062 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 SC 9/XX/2002 Refinance Primary XXX $XXX  
25523796 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 10/XX/2002 Purchase Primary XXX $XXX  
25533886 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Itemization of amount financed reflects a lump sum of $2540 as prepaid finance however $2600 were the audited prepaid finance charges. B B Yes Yes Final HUD1 NC 10/XX/2002 Refinance Primary XXX $XXX  
25990531 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 SC 10/XX/2002 Purchase Investment XXX $XXX  
25052988 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Unable to determine under disclosure due to missing itemization of amount financed. B B No Yes Final HUD1 SC 10/XX/2002 Purchase Primary XXX $XXX  
25992643 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2002 Refinance Primary XXX $XXX  
25127683 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2002 Refinance Primary XXX $XXX  
25992944 1       1     A A No Yes Final HUD1 NC 10/XX/2002 Refinance Investment XXX $XXX  
25550657 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Disclosed payment on Note of $657.58 does not correspond with the loan amount, loan term, and interest rate on the loan. B B Yes Yes Final HUD1 VA 11/XX/2002 Refinance Primary XXX $XXX  
25010579 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 1/XX/2003 Refinance Primary XXX $XXX  
25185323 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2002 Refinance Primary XXX $XXX  
25032800 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 11/XX/2002 Refinance Primary XXX $XXX  
25052000 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2   B B Yes Yes Final HUD1 NC 12/XX/2002 Refinance Primary XXX $XXX  
25924501 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: The itemization of amount financed did not include the attorney fee of $936 and prepaid interest of $48.12 as prepaid finance charges. B B No Yes Final HUD1 VA 12/XX/2002 Purchase Primary XXX $XXX  
25090136 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 12/XX/2002 Refinance Primary XXX $XXX  
25826817 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-01-08: Unable to determine cause of under disclosure due to missing amortization schedule. B B Yes Yes Final HUD1 NC 12/XX/2002 Refinance Primary XXX $XXX  
25226404 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 12/XX/2002 Refinance Primary XXX $XXX  
25604579 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) 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. - EV1 *** (OPEN) 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. COMMENT: 2019-02-06: 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. D D Yes Yes Final HUD1 VA 1/XX/2003 Refinance Primary XXX $XXX  
25780493 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B Yes Yes Final HUD1 VA 3/XX/2003 Refinance Primary XXX $XXX  
25335801 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 1/XX/2003 Purchase Primary XXX $XXX  
25348352 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Unable to determine under disclosure due to missing itemization of amount financed. C C Yes Yes Final HUD1 NC 1/XX/2003 Refinance Primary XXX $XXX  
25199644 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B No Yes Final HUD1 VA 2/XX/2003 Purchase Primary XXX $XXX  
25792136 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: TIL itemization did not disclose a tax service fee of $60 or an attorney's fee of $300 as prepaid finance charges. B B Yes Yes Final HUD1 VA 2/XX/2003 Refinance Primary XXX $XXX  
25332862 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: The itemization of amount financed did not include the attorney fee of $300 as a prepaid finance charge. B B Yes Yes Final HUD1 VA 2/XX/2003 Refinance Primary XXX $XXX  
25203920 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 3/XX/2003 Refinance Primary XXX $XXX  
25458797 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2003 Refinance Primary XXX $XXX  
25587123 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 3/XX/2003 Refinance Primary XXX $XXX  
25082179 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 3/XX/2003 Refinance Primary XXX $XXX  
25807088 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 4/XX/2003 Purchase Primary XXX $XXX  
25173746 1   *** (OPEN) Missing Document: Credit Report not provided - EV3   1     A A Yes Yes Final HUD1 SC 4/XX/2003 Refinance Primary XXX $XXX  
25546921 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B No Yes Final HUD1 VA 4/XX/2003 Purchase Primary XXX $XXX  
25128214 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B Yes Yes Final HUD1 NC 5/XX/2003 Refinance Primary XXX $XXX  
25259301 3       3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file only contains the security instrument. D D   No           XXX $XXX  
25766054 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B No Yes Final HUD1 VA 5/XX/2003 Purchase Primary XXX $XXX  
25616829 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: TIL itemization did not disclose an attorney's fee of $300 or a tax service fee of $60 as prepaid finance charges. B B Yes Yes Final HUD1 VA 7/XX/2003 Refinance Primary XXX $XXX  
25778726 3       3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file only contains the security instrument. D D   No           XXX $XXX  
25380642 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 7/XX/2003 Refinance Primary XXX $XXX  
25115556 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B Yes Yes Final HUD1 VA 9/XX/2003 Refinance Primary XXX $XXX  
25381867 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 8/XX/2003 Purchase Primary XXX $XXX  
25149903 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 9/XX/2003 Refinance Primary XXX $XXX  
25856971 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 10/XX/2003 Refinance Primary XXX $XXX  
25865440 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 TN 10/XX/2003 Refinance Primary XXX $XXX  
25748549 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B No Yes Final HUD1 VA 12/XX/2003 Purchase Primary XXX $XXX  
25642178 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: TIL itemization did not disclose an attorney review fee of $750 as prepaid finance charge. B B No Yes Final HUD1 VA 1/XX/2004 Purchase Primary XXX $XXX  
25100591 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 2/XX/2004 Refinance Primary XXX $XXX  
25132803 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B Yes Yes Final HUD1 NC 3/XX/2004 Refinance Primary XXX $XXX  
25673505 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 4/XX/2004 Refinance Primary XXX $XXX  
25649574 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Itemization only disclosed Recording fees in the amount of $63 and HUD-1 disclosed $95. B B Yes Yes Final HUD1 NC 4/XX/2004 Refinance Primary XXX $XXX  
25419692 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2004 Refinance Primary XXX $XXX  
25367640 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 VA 6/XX/2004 Refinance Primary XXX $XXX  
25373669 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Unable to determine under disclosure due to missing Itemization of amount financed. B B Yes Yes Final HUD1 NC 6/XX/2004 Refinance Primary XXX $XXX  
25602141 1       1     A A No Yes Final HUD1 VA 6/XX/2004 Purchase Primary XXX $XXX  
25685603 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 8/XX/2004 Purchase Primary XXX $XXX  
25146383 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 VA 9/XX/2004 Refinance Primary XXX $XXX  
25517214 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization of amount financed reflects a lump sum of $1712.51, however calculated reflects an amount of $2272.51. B B Yes Yes Final HUD1 NC 9/XX/2004 Purchase Primary XXX $XXX  
25974045 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 10/XX/2004 Purchase Primary XXX $XXX  
25210794 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization of amount financed reflects a lump sum of $2115, however calculated reflects an amount of $2465. B B Yes Yes Final HUD1 VA 10/XX/2004 Refinance Primary XXX $XXX  
25837426 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2   B B Yes Yes Final HUD1 TN 10/XX/2004 Refinance Primary XXX $XXX  
25107330 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 10/XX/2004 Refinance Primary XXX $XXX  
25969479 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 12/XX/2004 Purchase Primary XXX $XXX  
25192699 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 12/XX/2004 Purchase Primary XXX $XXX  
25873242 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 1/XX/2005 Purchase Primary XXX $XXX  
25336539 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 VA 2/XX/2005 Refinance Primary XXX $XXX  
25169483 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (CLEARED) (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. - EV1   B B Yes Yes Final HUD1 NC 3/XX/2005 Purchase Primary XXX $XXX  
25122046 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 3/XX/2005 Refinance Primary XXX $XXX  
25936569 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 3/XX/2005 Refinance Primary XXX $XXX  
25125663 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2005 Refinance Primary XXX $XXX  
25374772 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 5/XX/2005 Refinance Primary XXX $XXX  
25544344 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 SC 5/XX/2005 Purchase Investment XXX $XXX  
25385735 3   *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Document: Security Instrument not provided COMMENT: 2018-12-28: The Security Instrument is missing from the loan file. *** (OPEN) Missing Document: Missing Final 1003 COMMENT: 2018-12-28: Final 1003 is missing. 3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file only contains the security instrument. *** (OPEN) Missing Document: Note - Subject Lien not provided COMMENT: 2018-12-28: The subject Note is missing from the loan file. *** (OPEN) Missing Document: Missing Lender's Initial 1003 COMMENT: 2018-12-28: Initial 1003 is missing. D D   No Missing     UTD UTD XXX $XXX  
25465539 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL Itemization only disclosed origination charges in the amount of $1658.58 and final HUD reflects $2033.58. B B Yes Yes Final HUD1 NC 5/XX/2005 Refinance Primary XXX $XXX  
25444511 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2005 Refinance Primary XXX $XXX  
25830959 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Itemization did not disclose $20 flood cert fee, $10.54 prepaid interest, $250 processing fee, $50 settlement fee, or $60 tax service fee. B B No Yes Final HUD1 VA 5/XX/2005 Purchase Primary XXX $XXX  
25925633 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL Itemization only disclosed origination charges in the amount of $2148 and final HUD reflects $2367.50. B B Yes Yes Final HUD1 VA 6/XX/2005 Refinance Primary XXX $XXX  
25461818 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 6/XX/2005 Purchase Primary XXX $XXX  
25808859 1       1     A A No Yes Final HUD1 VA 6/XX/2005 Refinance Investment XXX $XXX  
25583611 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1 *** (OPEN) 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. COMMENT: 2019-02-06: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 SC 6/XX/2005 Refinance Primary XXX $XXX  
25426619 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 7/XX/2005 Refinance Primary XXX $XXX  
25776374 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 8/XX/2005 Refinance Primary XXX $XXX  
25965569 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: 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. B B No Yes Final HUD1 VA 8/XX/2005 Purchase Primary XXX $XXX  
25433624 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 8/XX/2005 Refinance Primary XXX $XXX  
25577890 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 9/XX/2005 Refinance Primary XXX $XXX  
25199085 1       1     A A Yes Yes Final HUD1 NC 10/XX/2005 Refinance Primary XXX $XXX  
25273085 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 10/XX/2005 Refinance Primary XXX $XXX  
25025904 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 10/XX/2005 Refinance Primary XXX $XXX  
25789840 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 10/XX/2005 Purchase Primary XXX $XXX  
25975495 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Itemization did not disclose $300 application fee or $250 processing fee. B B Yes Yes Final HUD1 NC 10/XX/2005 Refinance Primary XXX $XXX  
25005290 1       1     A A Yes Yes Final HUD1 NC 11/XX/2005 Refinance Primary XXX $XXX  
25390720 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 11/XX/2005 Refinance Primary XXX $XXX  
25223439 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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.) - EV2 *** (OPEN) 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.) COMMENT: 2018-12-28: . A A Yes Yes Final HUD1 VA 11/XX/2005 Refinance Primary XXX $XXX  
25731369 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2005 Refinance Primary XXX $XXX  
25426366 1       1     A A Yes Yes Final HUD1 NC 11/XX/2005 Refinance Primary XXX $XXX  
25520893 1       1     A A Yes Yes Final HUD1 TN 11/XX/2005 Refinance Primary XXX $XXX  
25856972 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 12/XX/2005 Refinance Primary XXX $XXX  
25518186 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 1/XX/2006 Refinance Primary XXX $XXX  
25112677 3       3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file does not contain images. D D   No           XXX $XXX  
25884628 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 1/XX/2006 Refinance Primary XXX $XXX  
25094605 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 2/XX/2006 Refinance Primary XXX $XXX  
25778500 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2   B B Yes Yes Final HUD1 TN 2/XX/2006 Refinance Primary XXX $XXX  
25843359 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2006 Refinance Primary XXX $XXX  
25139818 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 3/XX/2006 Purchase Second Home XXX $XXX  
25207649 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 3/XX/2006 Purchase Primary XXX $XXX  
25381528 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 5/XX/2006 Refinance Investment XXX $XXX  
25049623 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2006 Refinance Primary XXX $XXX  
25749693 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 6/XX/2006 Refinance Primary XXX $XXX  
25507937 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 7/XX/2006 Refinance Primary XXX $XXX  
25805525 2       2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 7/XX/2006 Refinance Primary XXX $XXX  
25672673 1       1     A A Yes Yes Final HUD1 NC 9/XX/2006 Refinance Primary XXX $XXX  
25329730 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 9/XX/2006 Refinance Primary XXX $XXX  
25395962 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Unable to determine under disclosure due to missing Itemization of Amount Financed B B Yes Yes Final HUD1 WV 3/XX/2003 Refinance Primary XXX $XXX  
25736188 2       2 *** (OPEN) (Doc Error) RTC Error: Right to Cancel expiration date is blank. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. - EV2   B B Yes Yes Final HUD1 GA 2/XX/2007 Refinance Primary XXX $XXX  
25156633 1       1     A A Yes Yes Final HUD1 GA 11/XX/2007 Refinance Primary XXX $XXX  
25998842 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 TN 5/XX/2008 Refinance Primary XXX $XXX  
25107845 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 PA 12/XX/2000 Purchase Primary XXX $XXX  
25666616 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 9/XX/1999 Refinance Primary XXX $XXX  
25715715 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing VA 9/XX/1999 Purchase Primary XXX $XXX  
25044618 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2   B B No Yes Final HUD1 MI 4/XX/2004 Refinance Primary XXX $XXX  
25004693 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 8/XX/1999 Refinance Primary XXX $XXX  
25071186 3 3 *** (OPEN) 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: XXX - EV3 *** (OPEN) AUS Findings: All conditions were not met - EV3 *** (OPEN) AUS Findings: Investor qualifying total debt ratio discrepancy. - EV3 *** (OPEN) Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX / End Date: 05/XX/2018 // Account Type: Checking / Account Number: XXX - EV3 *** (CLEARED) Employment Error: Employment job title not provided.: Borrower: XXX, per guideline requirements. - EV1 *** (CLEARED) Income Docs Missing:: Borrower: XXX, Borrower: XXX - EV1 *** (CLEARED) Incomplete Document: Closing Disclosure is incomplete - EV1 *** (CLEARED) Missing Document: Appraisal not provided - EV1 *** (CLEARED) Missing Document: Approval not provided - EV1 *** (CLEARED) Missing Document: Credit Report not provided - EV1 *** (CLEARED) Missing Document: Flood Certificate not provided - EV1 *** (CLEARED) Missing Document: Hazard Insurance Policy not provided - EV1 *** (CLEARED) Missing Document: Missing Final 1003 - EV1 *** (CLEARED) Missing Document: Tax Certificate not provided - EV1 *** (CLEARED) Missing Valuation:: Valuation Type: Appraisal / Valuation Report Date: - EV1 *** (CLEARED) Taxes: Subject property taxes not documented - EV1 *** (OPEN) 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: XXX 2019-02-06: 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. *** (OPEN) AUS Findings: All conditions were not met COMMENT: 2018-12-28: 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. *** (OPEN) AUS Findings: Investor qualifying total debt ratio discrepancy. COMMENT: 2019-02-06: Debt ratio discrepancy is due to the child support. Payment is not reflected on the DU in other debts. *** (OPEN) Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX / End Date: 05/XX/2018 // Account Type: Checking / Account Number: XXX 2019-02-06: Per DU, 2 consecutive months verification is required. File only contained 1 month statement for Primeway. *** (CLEARED) Employment Error: Employment job title not provided.: Borrower: XXX VVOE, paystubs, 4506, possible self employment income as physician). Borrower 2, Employment information not provided. *** (CLEARED) Incomplete Document: Closing Disclosure is incomplete COMMENT: 2019-02-06: Only page 1 of the Closing Disclosure dated 8/1/18 was provided. *** (CLEARED) Missing Document: Appraisal not provided COMMENT: 2019-02-06: Appraisal not provided, value obtained from file documents. *** (CLEARED) Missing Document: Approval not provided COMMENT: 2019-02-06: Not provided. *** (CLEARED) Missing Document: Credit Report not provided COMMENT: 2019-02-06: Missing from file. *** (CLEARED) Missing Document: Flood Certificate not provided COMMENT: 2019-02-06: Flood Cert not provided. *** (CLEARED) Missing Document: Hazard Insurance Policy not provided COMMENT: 2019-02-06: Hazard Insurance not provided. *** (CLEARED) Missing Document: Missing Final 1003 COMMENT: 2019-02-06: The Final 1003 in file included only page 1; no other pages were provided in the file. *** (CLEARED) Missing Document: Tax Certificate not provided COMMENT: 2019-02-06: Not provided. *** (CLEARED) Missing Valuation:: Valuation Type: Appraisal / Valuation Report Date: COMMENT: 2019-02-06: An appraisal was not provided in the file; values obtained from documents in file. *** (CLEARED) Taxes: Subject property taxes not documented COMMENT: 2019-02-06: Property Tax data not provided. 3 *** (OPEN) Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. - EV3 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. - EV2 *** (CLEARED) (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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Appendix Q Liabilities - Revolving: Unable to determine compliance with Appendix Q liabilities requirements due to missing information. - EV1 *** (CLEARED) Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Unable to test Loan Originator license due to missing information. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) General Ability To Repay Provision Credit History: Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. - EV1 *** (CLEARED) General Ability To Repay Provision Debt: Ability-to-Repay (Dodd-Frank 2014): Creditor did not include alimony and/or child support in debt obligations. - EV1 *** (CLEARED) 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 - EV1 *** (CLEARED) General Ability To Repay Provision Mortgage-Related Obligations: Ability to Repay (Dodd-Frank 2014): Mortgage-related obligations not considered in loan qualification. - EV1 *** (CLEARED) Missing Document: Missing Lender's Initial 1003 - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) NonQM ATR: Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. - EV1 *** (CLEARED) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV1 *** (CLEARED) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (James/Spence/2112593) - EV1 *** (CLEARED) TILA NMLSR - Individual Originator License Status Not Approved: Unable to test Individual Loan Originator license status due to missing information. - EV1 *** (CLEARED) TILA NMLSR - Originator Company License Status Not Approved: Unable to test LO company status due to missing information. - EV1 *** (CLEARED) TILA NMLSR - Originator Company Not Licensed at time of Application: Unable to test LO company NMLS license due to missing information. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Unable to determine the # of units, compliance results were generated using a defaulted value.: Valuation Type: Stated / Valuation Report Date: 08/XX/2018 - EV1 *** (OPEN) Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. COMMENT: 2019-02-06: Unable to determine ability to repay from documents in the file. *** (OPEN) (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. COMMENT: 2019-02-06: Rate lock data was not provided in the file. *** (OPEN) 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. COMMENT: 2019-02-06: Disclosure was not provided in the file. *** (OPEN) 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. COMMENT: 2019-02-06: Loan Estimates were not provided in the file. *** (OPEN) 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. COMMENT: 2019-02-06: Disclosure was not provided in the file. *** (OPEN) 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) COMMENT: 2019-02-06: Number of months collected for the homeowner's insurance in section F was not completed. *** (OPEN) TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. COMMENT: 2019-02-06: Disclosure was not provided in the file. *** (CLEARED) (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. COMMENT: 2019-02-06: Flood Zone certification was not provided in the file. *** (CLEARED) 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. COMMENT: 2019-02-06: Missing all income, employment and asset documentation, appraisal not provided. *** (CLEARED) Appendix Q Liabilities - Revolving: Unable to determine compliance with Appendix Q liabilities requirements due to missing information. COMMENT: 2019-02-06: File does not include a credit report. *** (CLEARED) Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. COMMENT: 2019-02-06: Disclosure was not provided in the file. *** (CLEARED) 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. COMMENT: 2019-02-06: Only received page 1 of the final application, unable to confirm compliance with NMLS requirement. *** (CLEARED) 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. COMMENT: 2019-02-06: Missing complete signed CD; per the incomplete CD, the disbursement date was 8/7/18. *** (CLEARED) Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Unable to test Loan Originator license due to missing information. COMMENT: 2019-02-06: Missing application date required to test compliance. *** (CLEARED) 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. COMMENT: 2019-02-06: Missing investor guidelines, unable to complete ATR testing. *** (CLEARED) General Ability To Repay Provision Credit History: Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. COMMENT: 2019-02-06: Missing Credit Report, unable to verify liabilities. *** (CLEARED) General Ability To Repay Provision Debt: Ability-to-Repay (Dodd-Frank 2014): Creditor did not include alimony and/or child support in debt obligations. COMMENT: 2019-02-06: Missing Declarations section of 1003, unable to confirm alimony or child support status. *** (CLEARED) 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 COMMENT: 2019-02-06: Missing investor guidelines, unable to complete ATR testing. *** (CLEARED) General Ability To Repay Provision Mortgage-Related Obligations: Ability to Repay (Dodd-Frank 2014): Mortgage-related obligations not considered in loan qualification. COMMENT: 2019-02-06: Unable to determine total mortgage related obligations from documents in the file. *** (CLEARED) Missing Document: Missing Lender's Initial 1003 COMMENT: 2019-02-06: Missing signed and dated initial 1003. *** (CLEARED) 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. COMMENT: 2019-02-06: Unable to determine application date from documentation in file. *** (CLEARED) NonQM ATR: Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. COMMENT: 2019-02-06: Unable to determine ability to repay from documents in the file. *** (CLEARED) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. COMMENT: 2019-02-06: Unable to determine property type. *** (CLEARED) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (James/Spence/2112593) COMMENT: 2019-02-06: Employment verification and income documentation was not provided in the file. *** (CLEARED) TILA NMLSR - Individual Originator License Status Not Approved: Unable to test Individual Loan Originator license status due to missing information. COMMENT: 2019-02-06: Missing application date required to test compliance. *** (CLEARED) TILA NMLSR - Originator Company License Status Not Approved: Unable to test LO company status due to missing information. COMMENT: 2019-02-06: Missing application date required to test compliance. *** (CLEARED) TILA NMLSR - Originator Company Not Licensed at time of Application: Unable to test LO company NMLS license due to missing information. COMMENT: 2019-02-06: Missing application date required to test compliance. *** (CLEARED) 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. COMMENT: 2019-02-06: A Completed Closing Disclosure was not provided in the file (p.1 provided) *** (CLEARED) Unable to determine the # of units, compliance results were generated using a defaulted value.: Valuation Type: Stated / Valuation Report Date: 08/XX/2018 COMMENT: 2019-02-06: Appraisal not provided, unable to confirm from da C B No No   CO 8/XX/2018 Refinance Second Home XXX $XXX  
25880291 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-12-27: Grace period of 10 days is less than the minimum 15 days for the state of Pennsylvania. B B No Yes Final HUD1 PA 9/XX/1999 Refinance Investment XXX $XXX  
25178033 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2018-12-28: Late charge of 5% exceeds state (NC) limit of 4%. B B Yes Yes Final HUD1 NC 8/XX/1999 Refinance Primary XXX $XXX  
25195929 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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.) - EV2   C C Yes Yes Final HUD1 NC 5/XX/2007 Refinance Primary XXX $XXX  
25784429 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Itemization of amount financed did not disclose a $325 application fee and Undisclosed $44 Origination fee as prepaid finance charges. C C Yes Yes Final HUD1 NC 8/XX/2007 Refinance Primary XXX $XXX  
25267154 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2   B B Yes Yes Final HUD1 NC 9/XX/2007 Refinance Primary XXX $XXX  
25111421 1       1     A A Yes Yes Final HUD1 NC 9/XX/2007 Refinance Primary XXX $XXX  
25233844 3       3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) 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). - EV2   D D Yes Yes Final HUD1 NC 10/XX/2007 Refinance Primary XXX $XXX  
25856052 1       1     A A Yes Yes Final HUD1 NC 10/XX/2007 Refinance Primary XXX $XXX  
25975784 1       1     A A No Yes Final HUD1 NC 6/XX/2008 Refinance Second Home XXX $XXX  
25128058 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NC 1/XX/2008 Refinance Investment XXX $XXX  
25091871 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 4/XX/2008 Refinance Primary XXX $XXX  
25028453 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (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. - EV2   C C Yes Yes Final HUD1 NC 2/XX/2008 Refinance Primary XXX $XXX  
25041057 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 3/XX/2008 Refinance Primary XXX $XXX  
25891819 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 3/XX/2008 Refinance Primary XXX $XXX  
25695301 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Itemization did not disclose $60 courier fee or the $60 wire fee as prepaid finance charges. C C Yes Yes Final HUD1 NC 7/XX/2008 Refinance Primary XXX $XXX  
25663615 1       1     A A No Yes Final HUD1 NC 7/XX/2008 Purchase Investment XXX $XXX  
25607988 2   *** (OPEN) Credit Exception: - EV3 *** (OPEN) Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: 08/XX/2008 - EV2 *** (OPEN) Credit Exception: COMMENT: 2019-01-09: Subject is for a childcare facility 2 *** (OPEN) (Doc Error) RTC Error: Right to Cancel expiration date is blank. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: The itemization of amount financed did not include the recording service fee of $50 and release tracking fee of $35 as prepaid finance charges. B B Yes Yes Final HUD1 NC 8/XX/2008 Refinance Primary XXX $XXX  
25909669 1       1     A A No Yes Final HUD1 NC 9/XX/2008 Purchase Investment XXX $XXX  
25755580 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   C C Yes Yes Final HUD1 NC 9/XX/2008 Purchase Primary XXX $XXX  
25964212 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 NC 8/XX/2006 Refinance Primary XXX $XXX  
25539924 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 12/XX/2006 Refinance Primary XXX $XXX  
25896926 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Unable to determine under disclosure due to missing Itemization of Amount Financed. B B Yes Yes Final HUD1 NC 1/XX/2007 Refinance Primary XXX $XXX  
25873347 2       2 *** (OPEN) (Doc Error) RTC Error: Right to Cancel expiration date is blank. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. - EV2   B B Yes Yes Final HUD1 NC 11/XX/2006 Refinance Primary XXX $XXX  
25547764 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 5/XX/2008 Refinance Primary XXX $XXX  
25563578 1       1     A A No Yes Final HUD1 MA 7/XX/2004 Refinance Investment XXX $XXX  
25534855 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 NC 11/XX/2006 Refinance Primary XXX $XXX  
25010807 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: The Final TIL Itemization did not disclose the Prepaid Interest Charges in the amount of $59.347 as prepaid finance charges. B B Yes Yes Final HUD1 NC 11/XX/2006 Refinance Primary XXX $XXX  
25873375 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 2/XX/2007 Refinance Primary XXX $XXX  
25320892 1       1     A A No Yes Final HUD1 NC 4/XX/2007 Refinance Investment XXX $XXX  
25437380 1       1     A A Yes Yes Final HUD1 NC 4/XX/2007 Refinance Primary XXX $XXX  
25628916 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 5/XX/2007 Refinance Primary XXX $XXX  
25686384 1       1     A A Yes Yes Final HUD1 NC 5/XX/2007 Refinance Primary XXX $XXX  
25540377 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 NC 7/XX/2007 Refinance Primary XXX $XXX  
25840244 2       2 *** (OPEN) 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.) - EV2   A A Yes Yes Final HUD1 NC 8/XX/2007 Refinance Primary XXX $XXX  
25044667 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 8/XX/2007 Refinance Primary XXX $XXX  
25629497 1       1     A A Yes Yes Final HUD1 NC 10/XX/2007 Refinance Primary XXX $XXX  
25232477 1       1     A A Yes Yes Final HUD1 NC 10/XX/2007 Refinance Primary XXX $XXX  
25045748 2   *** (CLEARED) Title Policy is Preliminary or Commitment, and not a Final Title Policy. - EV1   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 2/XX/2008 Refinance Primary XXX $XXX  
25014402 3   *** (CLEARED) Title Policy is Preliminary or Commitment, and not a Final Title Policy. - EV1   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 2/XX/2008 Refinance Primary XXX $XXX  
25321143 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2008 Refinance Primary XXX $XXX  
25146094 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 3/XX/2008 Refinance Primary XXX $XXX  
25103575 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2008 Purchase Primary XXX $XXX  
25444632 1       1     A A No Yes Final HUD1 NC 4/XX/2008 Refinance Investment XXX $XXX  
25791229 2       2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 5/XX/2008 Refinance Primary XXX $XXX  
25333827 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 5/XX/2008 Refinance Primary XXX $XXX  
25625723 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 6/XX/2008 Refinance Primary XXX $XXX  
25632305 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 9/XX/2006 Purchase Primary XXX $XXX  
25632442 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization did not disclose a courier fee of $280 as prepaid finance charge. B B Yes Yes Final HUD1 SC 7/XX/2008 Refinance Primary XXX $XXX  
25031942 1       1     A A No Yes Final HUD1 SC 6/XX/2007 Refinance Investment XXX $XXX  
25003826 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 NC 12/XX/1999 Refinance Primary XXX $XXX  
25551258 1       1     A A No Yes Final HUD1 PA 6/XX/2002 Purchase Primary XXX $XXX  
25729444 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Unable to determine cause of underdisclosure due to missing Itemization of Amount Financed. B B Yes Yes Final HUD1 TX 3/XX/2003 Refinance Primary XXX $XXX  
25686775 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 8/XX/1999 Refinance Primary XXX $XXX  
25701362 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NC 8/XX/1999 Purchase Primary XXX $XXX  
25301591 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 6/XX/2004 Purchase Primary XXX $XXX  
25031579 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL Itemization only disclosed a lump sum of $181.03 as a prepaid finance charge. B B No Yes Final HUD1 VA 10/XX/2004 Purchase Primary XXX $XXX  
25031005 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL Itemization only disclosed origination charges in the amount of $3,480 and final HUD reflects $4,240. B B Yes Yes Final HUD1 VA 7/XX/2004 Refinance Primary XXX $XXX  
25514161 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Itemization of amount financed reflects a lump sum of $2424 however the audited finance charges total $3534 B B Yes Yes Final HUD1 VA 8/XX/2004 Refinance Primary XXX $XXX  
25330534 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Final Title Policy is missing. No evidence of title in file. COMMENT: 2019-01-03: File does not contain either the preliminary or final title. 2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization did not include an Attonrey's fee of $150 or Tax cert fee of $60 in the prepaid amount financed. B B Yes Yes Final HUD1 VA 3/XX/2004 Refinance Primary XXX $XXX  
25242904 2       2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization did not disclose a processing fee of $250 as a prepaid finance charge. B B No Yes Final HUD1 VA 3/XX/2005 Purchase Primary XXX $XXX  
25677908 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL Itemization did not disclose the attorney's fee of $300 or the tax service of $60 as prepaid finance charges. B B Yes Yes Final HUD1 VA 5/XX/2004 Refinance Primary XXX $XXX  
25637524 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Itemization of amount financed reflects a bulk sum of finance charges of $2805.07 however the audited finance charges total $3415.07 B B Yes Yes Final HUD1 VA 11/XX/2004 Refinance Primary XXX $XXX  
25141106 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (CLEARED) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) 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. COMMENT: 2019-02-11: 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. B B Yes Yes Final HUD1 VA 5/XX/2005 Refinance Primary XXX $XXX  
25095809 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 3/XX/2005 Purchase Investment XXX $XXX  
25924782 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization did not disclose the attorney's fee of $325, processing fee of $250, and tax service of $60 as prepaid finance charges. B B Yes Yes Final HUD1 VA 2/XX/2005 Refinance Primary XXX $XXX  
25859019 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization did not disclose an attorney fee of $325 or a tax service fee of $60 as prepaid finance charges. B B Yes Yes Final HUD1 VA 8/XX/2005 Refinance Primary XXX $XXX  
25740832 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL Itemization only disclosed origination charges in the amount of $2,067.39 and final HUD reflects $2,337.39. B B Yes Yes Final HUD1 VA 4/XX/2005 Refinance Primary XXX $XXX  
25465814 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 6/XX/2005 Refinance Primary XXX $XXX  
25079435 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 VA 5/XX/2005 Refinance Primary XXX $XXX  
25025392 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 5/XX/2005 Refinance Primary XXX $XXX  
25219776 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 8/XX/2005 Refinance Primary XXX $XXX  
25903749 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Unable to determine under disclosure due to missing itemization of amount financed. B B No Yes Final HUD1 VA 3/XX/2006 Purchase Primary XXX $XXX  
25854575 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: itemized does not include processing fee $375 & tax service fee $60, B B Yes Yes Final HUD1 VA 11/XX/2005 Refinance Primary XXX $XXX  
25715950 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2   B B Yes Yes Final HUD1 VA 6/XX/2006 Refinance Primary XXX $XXX  
25895970 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization did not disclose an attorney fee of $325 as a prepaid finance charge. B B Yes Yes Final HUD1 VA 6/XX/2006 Refinance Primary XXX $XXX  
25683739 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 7/XX/2006 Refinance Primary XXX $XXX  
25289440 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: Itemized did not include $60 tax service fee & &350 processing fee B B Yes Yes Final HUD1 VA 10/XX/2006 Refinance Primary XXX $XXX  
25351884 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization only disclosed origination charges in the amount of $336.93 and final HUD reflects $603.93. B B Yes Yes Final HUD1 VA 11/XX/2006 Refinance Primary XXX $XXX  
25615386 1       1     A A No Yes Final HUD1 VA 4/XX/2007 Refinance Investment XXX $XXX  
25051936 1       1     A A Yes Yes Final HUD1 VA 1/XX/2007 Refinance Primary XXX $XXX  
25970225 1       1     A A Yes Yes Final HUD1 VA 2/XX/2007 Refinance Primary XXX $XXX  
25626393 1       1     A A Yes Yes Final HUD1 VA 2/XX/2007 Refinance Primary XXX $XXX  
25495040 1       1     A A No Yes Final HUD1 VA 2/XX/2007 Purchase Investment XXX $XXX  
25583040 2       2 *** (OPEN) (Doc Error) RTC Error: Right to Cancel expiration date is blank. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. - EV2   B B Yes Yes Final HUD1 VA 4/XX/2007 Refinance Primary XXX $XXX  
25795556 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 4/XX/2007 Refinance Primary XXX $XXX  
25053724 1       1     A A Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25487316 1       1     A A No Yes Final HUD1 VA 5/XX/2007 Refinance Second Home XXX $XXX  
25211232 1       1     A A Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25278642 1       1     A A Yes Yes Final HUD1 VA 9/XX/2007 Refinance Primary XXX $XXX  
25879357 1       1     A A Yes Yes Final HUD1 VA 9/XX/2007 Refinance Primary XXX $XXX  
25537381 1       1     A A Yes Yes Final HUD1 VA 10/XX/2007 Refinance Primary XXX $XXX  
25539559 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25220782 2       2 *** (OPEN) 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). - EV2   B B Yes Yes Final HUD1 VA 12/XX/2007 Refinance Primary XXX $XXX  
25289435 1       1     A A Yes Yes Final HUD1 VA 12/XX/2007 Refinance Primary XXX $XXX  
25782148 1       1     A A Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25160738 1       1     A A No Yes Final HUD1 VA 2/XX/2008 Purchase Primary XXX $XXX  
25308737 1       1     A A Yes Yes Final HUD1 VA 2/XX/2008 Refinance Primary XXX $XXX  
25845073 1       1     A A Yes Yes Final HUD1 VA 3/XX/2008 Refinance Primary XXX $XXX  
25510908 1       1     A A Yes Yes Final HUD1 VA 6/XX/2008 Refinance Primary XXX $XXX  
25449554 2       2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. COMMENT: 2018-12-31: The document is signed by both borrowers B B Yes Yes Final HUD1 VA 6/XX/2008 Refinance Primary XXX $XXX  
25443043 1       1     A A Yes Yes Final HUD1 VA 7/XX/2008 Refinance Primary XXX $XXX  
25478173 1       1     A A No Yes Final HUD1 VA 9/XX/2008 Purchase Primary XXX $XXX  
25151851 1       1     A A Yes Yes Final HUD1 IN 3/XX/2004 Refinance Primary XXX $XXX  
25888798 1       1     A A Yes Yes Final HUD1 PA 3/XX/2005 Refinance Primary XXX $XXX  
25325834 1       1     A A No Yes Final HUD1 NJ 10/XX/2005 Purchase Investment XXX $XXX  
25285547 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NJ 9/XX/2005 Refinance Investment XXX $XXX  
25519716 2       2 *** (OPEN) 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.) - EV2   A A Yes Yes Final HUD1 VA 2/XX/2008 Refinance Primary XXX $XXX  
25214646 1       1     A A Yes Yes Final HUD1 PA 12/XX/2006 Refinance Primary XXX $XXX  
25417576 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-03-14: TIL Itemization only disclosed origination charges in the amount of $2910 and final HUD reflects $3485. B B Yes Yes Final HUD1 NC 10/XX/2002 Refinance Primary XXX $XXX  
25144908 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 VA 10/XX/2002 Refinance Primary XXX $XXX  
25518202 1       1     A A No Yes Final HUD1 VA 11/XX/2003 Purchase Primary XXX $XXX  
25769992 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 12/XX/2003 Purchase Primary XXX $XXX  
25010778 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: 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. B B Yes Yes Final HUD1 VA 10/XX/2003 Refinance Primary XXX $XXX  
25589004 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization did not disclose the $500 attorney fee, $30 flood, $150 processing, $60 tax fee as prepaid finance charges B B No Yes Final HUD1 VA 12/XX/2003 Purchase Primary XXX $XXX  
25990479 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 1/XX/2004 Purchase Primary XXX $XXX  
25250005 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2004 Refinance Primary XXX $XXX  
25308702 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 8/XX/2004 Refinance Primary XXX $XXX  
25690678 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 9/XX/2004 Refinance Primary XXX $XXX  
25925111 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: Itemization did not disclose $12 wire fee or $75 settlement fee. B B No Yes Final HUD1 VA 12/XX/2004 Purchase Primary XXX $XXX  
25424802 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization did not disclose the Attorney fee of $250.00 as prepaid finance charge. B B Yes Yes Final HUD1 VA 3/XX/2005 Refinance Primary XXX $XXX  
25287512 2   *** (OPEN) Missing Document: Rider - 1-4 Family not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: The itemization of amount financed did not include the attorney's fee of $350.00 as a prepaid finance charge. B B Yes Yes Final HUD1 VA 3/XX/2005 Refinance Primary XXX $XXX  
25620489 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NC 7/XX/2005 Refinance Primary XXX $XXX  
25430621 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: The itemization of amount financed did not include the attorney fee of $359 as a prepaid finance charge. B B Yes Yes Final HUD1 VA 9/XX/2005 Refinance Primary XXX $XXX  
25783877 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization did not disclose $350.00 Settlement Fee as a prepaid finance charge. B B Yes Yes Final HUD1 VA 2/XX/2007 Refinance Primary XXX $XXX  
25300322 1       1     A A No Yes Final HUD1 VA 10/XX/2007 Refinance Second Home XXX $XXX  
25038683 2   *** (OPEN) Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: 09/XX/2005 - EV2 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 11/XX/2005 Purchase Primary XXX $XXX  
25359585 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 2/XX/2006 Refinance Primary XXX $XXX  
25499341 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 7/XX/2006 Refinance Primary XXX $XXX  
25299883 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2   B B Yes Yes Final HUD1 VA 9/XX/2004 Refinance Primary XXX $XXX  
25527343 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 12/XX/2004 Refinance Primary XXX $XXX  
25343705 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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.) - EV2   A A Yes Yes Final HUD1 VA 1/XX/2005 Refinance Primary XXX $XXX  
25650049 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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.) - EV2   A A Yes Yes Final HUD1 VA 5/XX/2006 Refinance Primary XXX $XXX  
25476230 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 5/XX/2006 Purchase Investment XXX $XXX  
25538998 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization did not disclose Settlement Fee of $250.00 as a prepaid finance charge. B B No Yes Final HUD1 VA 5/XX/2006 Purchase Primary XXX $XXX  
25117043 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 5/XX/2006 Purchase Primary XXX $XXX  
25486182 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization did not disclose the attorney's fee of $375 as prepaid finance charge. B B No Yes Final HUD1 VA 6/XX/2006 Purchase Primary XXX $XXX  
25537438 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 8/XX/2006 Refinance Primary XXX $XXX  
25431145 2       2 *** (OPEN) 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.) - EV2   A A Yes Yes Final HUD1 VA 9/XX/2006 Refinance Primary XXX $XXX  
25187229 2       2 *** (OPEN) 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.) - EV2   A A Yes Yes Final HUD1 VA 8/XX/2006 Refinance Primary XXX $XXX  
25562600 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 9/XX/2006 Purchase Primary XXX $XXX  
25023562 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 9/XX/2006 Refinance Primary XXX $XXX  
25543983 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 9/XX/2006 Refinance Primary XXX $XXX  
25052035 1       1     A A No Yes Final HUD1 VA 9/XX/2006 Purchase Primary XXX $XXX  
25130299 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2006 Refinance Primary XXX $XXX  
25389404 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2006 Refinance Primary XXX $XXX  
25196251 1       1     A A Yes Yes Final HUD1 VA 12/XX/2006 Refinance Primary XXX $XXX  
25731324 2       2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization did not disclose the $450 processing , $150 commitment, $13.50 processing ot $60 tac fee as prepaid finance charges. *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization did not disclose the $450 processing , $150 commitment, $13.50 processing ot $60 tac fee as prepaid finance charges. B B No Yes Final HUD1 VA 1/XX/2007 Purchase Primary XXX $XXX  
25524192 2       2 *** (OPEN) 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.) - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2006 Refinance Primary XXX $XXX  
25965705 1       1     A A No Yes Final HUD1 VA 5/XX/2007 Purchase Primary XXX $XXX  
25851915 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 1/XX/2007 Purchase Primary XXX $XXX  
25051930 2       2 *** (OPEN) 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.) - EV2   A A Yes Yes Final HUD1 VA 2/XX/2007 Refinance Primary XXX $XXX  
25819685 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: Itemization only disclosed $150 settlement fee and HUD-1 has $262. B B Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25830095 1       1     A A No Yes Final HUD1 VA 4/XX/2007 Purchase Primary XXX $XXX  
25061142 2       2 *** (OPEN) 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.) - EV2   A A Yes Yes Final HUD1 VA 4/XX/2007 Refinance Primary XXX $XXX  
25839687 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25860109 1       1     A A Yes Yes Final HUD1 VA 6/XX/2007 Refinance Primary XXX $XXX  
25492250 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 7/XX/2007 Refinance Primary XXX $XXX  
25611771 1       1     A A Yes Yes Final HUD1 VA 7/XX/2007 Refinance Primary XXX $XXX  
25977606 1       1     A A Yes Yes Final HUD1 VA 7/XX/2007 Refinance Primary XXX $XXX  
25265834 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 8/XX/2007 Refinance Primary XXX $XXX  
25122594 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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.) - EV2   B B Yes Yes Final HUD1 VA 8/XX/2007 Refinance Primary XXX $XXX  
25774315 1       1     A A No Yes Final HUD1 VA 9/XX/2007 Refinance Investment XXX $XXX  
25511353 1       1     A A No Yes Final HUD1 VA 9/XX/2007 Refinance Investment XXX $XXX  
25517680 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 9/XX/2007 Refinance Primary XXX $XXX  
25695981 1       1     A A Yes Yes Final HUD1 VA 10/XX/2007 Refinance Primary XXX $XXX  
25667146 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 12/XX/2007 Refinance Primary XXX $XXX  
25892885 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2007 Refinance Primary XXX $XXX  
25287606 2       2 *** (OPEN) 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) - EV2   B B No Yes Final HUD1 VA 11/XX/2007 Refinance Investment XXX $XXX  
25008432 1       1     A A Yes Yes Final HUD1 VA 11/XX/2007 Refinance Primary XXX $XXX  
25119828 1       1     A A Yes Yes Final HUD1 VA 12/XX/2007 Refinance Primary XXX $XXX  
25166390 1       1     A A Yes Yes Final HUD1 VA 11/XX/2007 Refinance Primary XXX $XXX  
25058594 1       1     A A Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25353392 1       1     A A Yes Yes Final HUD1 VA 2/XX/2008 Refinance Primary XXX $XXX  
25614173 1       1     A A Yes Yes Final HUD1 VA 12/XX/2007 Refinance Primary XXX $XXX  
25339471 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 2/XX/2008 Refinance Primary XXX $XXX  
25978655 1       1     A A Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25962319 1       1     A A Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25643448 1       1     A A Yes Yes Final HUD1 VA 2/XX/2008 Refinance Primary XXX $XXX  
25481477 1       1     A A No Yes Final HUD1 VA 3/XX/2008 Refinance Second Home XXX $XXX  
25331082 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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). - EV2   B B Yes Yes Final HUD1 VA 5/XX/2008 Refinance Primary XXX $XXX  
25524856 1       1     A A Yes Yes Final HUD1 VA 5/XX/2008 Refinance Primary XXX $XXX  
25192981 2       2 *** (OPEN) 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) - EV2   B B No Yes Final HUD1 VA 7/XX/2008 Purchase Investment XXX $XXX  
25062967 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-01-01: TIL Itemization did not disclose the wire fee of $12 or the courier fee of $78 as prepaid finance charges. B B Yes Yes Final HUD1 VA 9/XX/2008 Refinance Primary XXX $XXX  
25482117 1       1     A A Yes Yes Final HUD1 VA 8/XX/2008 Refinance Primary XXX $XXX  
25357686 1       1     A A Yes Yes Final HUD1 VA 7/XX/2008 Refinance Primary XXX $XXX  
25475170 1       1     A A Yes Yes Final HUD1 VA 8/XX/2008 Refinance Primary XXX $XXX  
25135455 1       1     A A Yes Yes Final HUD1 VA 9/XX/2008 Refinance Primary XXX $XXX  
25071556 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 10/XX/2008 Refinance Primary XXX $XXX  
25083703 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 3/XX/2008 Refinance Investment XXX $XXX  
25870985 3       3 *** (OPEN) (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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-01-02: 10 day grace period is less than the 15 day minimum per state - NJ. C C Yes Yes Final HUD1 NJ 4/XX/2004 Refinance Primary XXX $XXX  
25016242 2       2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 10/XX/2004 Refinance Primary XXX $XXX  
25233500 1       1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) COMMENT: 2019-05-13: 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. A A No Yes Final HUD1 NJ 11/XX/2005 Refinance Investment XXX $XXX  
25723319 1       1     A A Yes Yes Final HUD1 NJ 11/XX/2006 Refinance Primary XXX $XXX  
25202573 2       2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 2/XX/2007 Refinance Primary XXX $XXX  
25451327 1       1     A A Yes Yes Final HUD1 NJ 2/XX/2007 Refinance Primary XXX $XXX  
25233833 1       1     A A Yes Yes Final HUD1 FL 9/XX/2007 Refinance Primary XXX $XXX  
25003985 1       1     A A No Yes Final HUD1 FL 5/XX/2004 Purchase Primary XXX $XXX  
25202581 1       1     A A No Yes Final HUD1 NJ 6/XX/2007 Refinance Investment XXX $XXX  
25737500 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 PA 8/XX/2005 Refinance Primary XXX $XXX  
25498850 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-01-02: 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 B B Yes Yes Final HUD1 PA 8/XX/2006 Refinance Primary XXX $XXX  
25972238 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-01-02: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 PA 5/XX/2006 Refinance Primary XXX $XXX  
25653832 1       1     A A Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25329158 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 4/XX/2007 Refinance Primary XXX $XXX  
25640082 1       1     A A Yes Yes Final HUD1 VA 8/XX/2007 Refinance Primary XXX $XXX  
25507183 1       1     A A Yes Yes Final HUD1 VA 8/XX/2007 Refinance Primary XXX $XXX  
25318779 1       1     A A Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25763495 1       1     A A Yes Yes Final HUD1 VA 2/XX/2008 Refinance Primary XXX $XXX  
25395381 1       1     A A Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25263284 2       2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2   B B No Yes Final HUD1 MI 9/XX/2004 Purchase Primary XXX $XXX  
25991255 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2   B B No Yes Final HUD1 MI 3/XX/2004 Purchase Primary XXX $XXX  
25998133 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-01-02: It appears a lower Index was used at origination than the 3.1% Index available within the look-back period. B B No Yes Final HUD1 MI 2/XX/2005 Purchase Primary XXX $XXX  
25805664 2       2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2   B B No Yes Final HUD1 MI 4/XX/2004 Purchase Primary XXX $XXX  
25171262 2   *** (CLEARED) Final Title Policy is missing. No evidence of title in file. - EV1 *** (CLEARED) Missing Document: Missing Final 1003 - EV1 *** (CLEARED) Missing Document: Security Instrument not provided - EV1   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) (Doc Error) Initial GFE not provided - EV1 *** (CLEARED) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV1 *** (CLEARED) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV1 *** (CLEARED) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV1 *** (CLEARED) FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV1 *** (CLEARED) 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 - EV1 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1 *** (OPEN) 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. COMMENT: 2019-04-16: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 MA 8/XX/2005 Refinance Primary XXX $XXX  
25065558 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 10/XX/2005 Refinance Primary XXX $XXX  
25025299 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 5/XX/2005 Purchase Primary XXX $XXX  
25034339 1       1     A A No Yes Final HUD1 MI 4/XX/2004 Purchase Primary XXX $XXX  
25551208 1       1     A A Yes Yes Final HUD1 MA 7/XX/2005 Refinance Primary XXX $XXX  
25841772 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NJ 10/XX/2001 Purchase Primary XXX $XXX  
25597669 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-01-02: 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. B B Yes Yes Final HUD1 NJ 12/XX/2001 Refinance Primary XXX $XXX  
25280266 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 11/XX/2006 Purchase Primary XXX $XXX  
25755671 2   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 5/XX/2007 Refinance Primary XXX $XXX  
25739802 3   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing MO 11/XX/2000 UTD UTD XXX $XXX  
25013546 3       3 *** (OPEN) 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. - EV3 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   D D Yes Yes HUD1, not signed or stamped NJ 8/XX/2007 Purchase Primary XXX $XXX  
25323912 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-16: TIL itemization did not disclose $130 Closing fee, $80 Tax service fee or $30 Courier fee as prepaid finance charges. B B Yes Yes Final HUD1 IL 3/XX/2003 Refinance Primary XXX $XXX  
25200093 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 NM 8/XX/2004 Purchase Primary XXX $XXX  
25765338 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing GA 7/XX/2000 UTD Primary XXX $XXX  
25037732 2       2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 NJ 6/XX/2006 Purchase Primary XXX $XXX  
25567739 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NY 6/XX/2007 Purchase Primary XXX $XXX  
25888155 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) (Doc Error) HUD Error: Disbursement date is earlier than final TIL signature date. - EV1 *** (CLEARED) (Doc Error) HUD Error: Disbursement date is earlier than final TIL signature date. COMMENT: 2018-07-26: Per hud. B B Yes Yes Final HUD1 NJ 1/XX/2007 Refinance Primary XXX $XXX  
25737697 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MD 5/XX/2006 Purchase Primary XXX $XXX  
25224080 2   *** (OPEN) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 9/XX/2009 Purchase Primary XXX $XXX  
25935219 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 5/XX/2009 Refinance Primary XXX $XXX  
25080678 1   *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   1     A A No Yes Final HUD1 WI 3/XX/2007 Purchase Primary XXX $XXX  
25253112 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 8/XX/2007 Refinance Primary XXX $XXX  
25489242 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-17: TIL itemization included an MIP Refund fee of - $2,892.74 as prepaid finance charge. B B Yes Yes Final HUD1 MD 2/XX/2009 Refinance Primary XXX $XXX  
25570641 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 10/XX/2007 Refinance Primary XXX $XXX  
25745158 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-17: TIL itemization did not disclose origination fee of $4,935.98 as a prepaid finance charge B B Yes Yes Final HUD1 MD 3/XX/2010 Refinance Primary XXX $XXX  
25410024 1   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   1     A A No Yes Final HUD1 IL 11/XX/2009 Purchase Primary XXX $XXX  
25853442 2       2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 IL 11/XX/2009 Refinance Primary XXX $XXX  
25750374 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 CA 11/XX/2007 Purchase Primary XXX $XXX  
25708783 1       1     A A No Yes Final HUD1 DE 9/XX/2005 Purchase Primary XXX $XXX  
25604936 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 11/XX/2005 Refinance Primary XXX $XXX  
25111900 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 12/XX/2005 Purchase Primary XXX $XXX  
25033475 1       1     A A Yes Yes Final HUD1 GA 4/XX/2006 Refinance Primary XXX $XXX  
25028495 1       1     A A No Yes Final HUD1 FL 4/XX/2006 Purchase Primary XXX $XXX  
25289531 2       2 *** (OPEN) FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. - EV2   B B No Yes Final HUD1 NY 12/XX/2006 Purchase Primary XXX $XXX  
25385692 3       3 *** (OPEN) 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. - EV3   D D Yes Yes Estimated HUD1 WA 2/XX/2007 Refinance Primary XXX $XXX  
25939720 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 8/XX/2008 Purchase Primary XXX $XXX  
25341306 2       2 *** (OPEN) (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2   B B No Yes Final HUD1 DE 5/XX/2010 Purchase Primary XXX $XXX  
25385984 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 8/XX/2001 Refinance Primary XXX $XXX  
25807542 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) (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. COMMENT: 2017-11-17: Downgraded to EV2-B due to being outside SOL. D D Yes Yes Estimated HUD1 NY 6/XX/2009 Refinance Primary XXX $XXX  
25787293 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NY 8/XX/2005 Purchase Primary XXX $XXX  
25166936 1       1     A A No Yes Final HUD1 SC 2/XX/2007 Purchase Second Home XXX $XXX  
25113280 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I COMMENT: 2018-04-12: Interest rate on the note is incorrect 11.760%, should be 11.7648% 2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 10/XX/2011 Refinance Primary XXX $XXX  
25465120 2       2 *** (OPEN) Alabama Prepayment Penalty: Alabama Prepayment Penalty: Prepayment penalty not permissible by state law. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Alabama Prepayment Penalty: Alabama Prepayment Penalty: Prepayment penalty not permissible by state law. COMMENT: 2019-02-19: 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. B B No Yes Final HUD1 AL 3/XX/2007 Purchase Primary XXX $XXX  
25463105 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing NY 5/XX/2007 Refinance Primary XXX $XXX  
25358938 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CT 8/XX/2005 Purchase Primary XXX $XXX  
25394092 1       1     A A Yes Yes Final HUD1 IA 4/XX/2004 Refinance Primary XXX $XXX  
25977110 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 4/XX/2006 Refinance Primary XXX $XXX  
25253935 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-02-19: TIL Itemization did not disclose Subordination Recording Fee of $46.00 as a Prepaid Finance Charge. B B Yes Yes Final HUD1 VA 7/XX/2005 Refinance Primary XXX $XXX  
25323828 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Incomplete Document: Note - Subject Lien is incomplete - EV3 *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Incomplete Document: Note - Subject Lien is incomplete COMMENT: 2019-02-22: Missing pages 3 and 4 3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing IL 12/XX/2005 Refinance Primary XXX $XXX  
25324370 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing IL 1/XX/2004 Refinance Primary XXX $XXX  
25571072 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A Yes Yes Final HUD1 MS 7/XX/2006 Refinance Primary XXX $XXX  
25349325 2       2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2006 Refinance Primary XXX $XXX  
25116940 2   *** (OPEN) Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 PA 9/XX/2000 Purchase Primary XXX $XXX  
25238429 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2   B B Yes Yes Final HUD1 MI 9/XX/2004 Refinance Primary XXX $XXX  
25720958 2       2 *** (OPEN) ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 4/XX/2006 Refinance Primary XXX $XXX  
25651890 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 CA 8/XX/1992 Refinance Primary XXX $XXX  
25237930 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B No Yes Final HUD1 TX 4/XX/1997 Purchase Primary XXX $XXX  
25127111 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 11/XX/2000 Refinance Primary XXX $XXX  
25146862 1       1     A A Yes Yes Final HUD1 OH 1/XX/2002 Refinance Primary XXX $XXX  
25319472 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D Yes Yes Estimated HUD1 OR 9/XX/2002 Refinance Primary XXX $XXX  
25562294 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. COMMENT: 2018-07-02: TIL itemization did not disclose an attorney fee of $400.00 as a prepaid finance charge. B B Yes Yes Final HUD1 GA 3/XX/2003 Refinance Primary XXX $XXX  
25986511 1       1     A A Yes Yes Final HUD1 FL 4/XX/2003 Refinance Primary XXX $XXX  
25484268 2       2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 MA 4/XX/2003 Refinance Primary XXX $XXX  
25733261 1       1     A A No Yes Final HUD1 MO 5/XX/2003 Purchase Primary XXX $XXX  
25414139 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 2/XX/2003 Refinance Primary XXX $XXX  
25586267 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A Yes Yes Final HUD1 TX 7/XX/2003 Purchase Primary XXX $XXX  
25458251 1       1     A A Yes Yes Final HUD1 OK 8/XX/2003 Refinance Primary XXX $XXX  
25400297 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-04: 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. B B Yes Yes Final HUD1 MN 7/XX/2003 Refinance Primary XXX $XXX  
25268609 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 9/XX/2003 Purchase Primary XXX $XXX  
25119036 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-29: Unable to determine under disclosure due to missing Itemization of Amount Financed. B B Yes Yes Final HUD1 MO 1/XX/2003 Refinance Primary XXX $XXX  
25969414 1       1     A A No Yes Final HUD1 WI 6/XX/2003 Purchase Primary XXX $XXX  
25736412 1       1     A A No Yes Final HUD1 FL 12/XX/2002 Construction-Permanent Primary XXX $XXX  
25674885 2       2 *** (OPEN) 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) - EV2 *** (OPEN) 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) COMMENT: 2018-07-11: Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings. B B No Yes Final HUD1 MI 7/XX/2003 Refinance Investment XXX $XXX  
25684331 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 NJ 11/XX/2003 Purchase Primary XXX $XXX  
25230612 1       1     A A Yes Yes Final HUD1 FL 11/XX/2003 Refinance Primary XXX $XXX  
25419636 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 11/XX/2003 Purchase Primary XXX $XXX  
25395317 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B Yes Yes Final HUD1 NY 1/XX/2004 Refinance Primary XXX $XXX  
25154674 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-13: Unable to determine under disclosure due to missing Itemization of amount financed. B B Yes Yes Final HUD1 NC 1/XX/2004 Refinance Primary XXX $XXX  
25380798 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 5/XX/2004 Refinance Primary XXX $XXX  
25239468 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-03: Under disclosure appears to be payment stream related. B B Yes Yes Final HUD1 NH 8/XX/2004 Refinance Primary XXX $XXX  
25674559 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 FL 10/XX/2004 Refinance Primary XXX $XXX  
25943736 1       1     A A Yes Yes Final HUD1 NC 12/XX/2004 Purchase Primary XXX $XXX  
25681251 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 11/XX/2004 Purchase Primary XXX $XXX  
25347835 1       1     A A Yes Yes Final HUD1 GA 2/XX/2005 Refinance Primary XXX $XXX  
25870480 1       1     A A No Yes Final HUD1 FL 3/XX/2005 Purchase Primary XXX $XXX  
25392739 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 4/XX/2005 Refinance Primary XXX $XXX  
25117343 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B No Yes Final HUD1 NJ 5/XX/2005 Purchase Investment XXX $XXX  
25444911 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2003 - EV3   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MN 11/XX/2003 Refinance Primary XXX $XXX  
25110585 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-29: Unable to determine under disclosure due to missing Itemization of Amount Financed. B B Yes Yes Final HUD1 NC 9/XX/2003 Refinance Primary XXX $XXX  
25070282 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 8/XX/2005 Refinance Second Home XXX $XXX  
25833689 2       2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2   B B Yes Yes Final HUD1 NJ 9/XX/2005 Purchase Primary XXX $XXX  
25045717 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 FL 11/XX/2005 Refinance Primary XXX $XXX  
25884469 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 9/XX/2005 Refinance Primary XXX $XXX  
25602434 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2   B B Yes Yes Final HUD1 VA 1/XX/2006 Refinance Primary XXX $XXX  
25127728 1       1     A A Yes Yes Final HUD1 GA 3/XX/2006 Refinance Primary XXX $XXX  
25270070 1       1     A A No Yes Final HUD1 TN 4/XX/2006 Refinance Investment XXX $XXX  
25035898 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2   B B Yes Yes Final HUD1 MI 3/XX/2006 Refinance Primary XXX $XXX  
25289691 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D Yes Yes Title Co. Closing Statement CA 4/XX/2006 Purchase Primary XXX $XXX  
25278495 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2   B B Yes Yes Final HUD1 FL 5/XX/2006 Refinance Primary XXX $XXX  
25263305 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 8/XX/2006 Refinance Primary XXX $XXX  
25667600 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D Yes Yes HUD1, not signed or stamped UT 7/XX/2006 Purchase Primary XXX $XXX  
25462009 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 ME 8/XX/2006 Refinance Second Home XXX $XXX  
25890999 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 10/XX/2006 Refinance Primary XXX $XXX  
25839342 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-20: TIL Itemization did not disclose an CLO Fee of $850 as a prepaid finance charge. B B Yes Yes Final HUD1 FL 9/XX/2006 Refinance Primary XXX $XXX  
25747208 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 10/XX/2006 Purchase Primary XXX $XXX  
25665348 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. COMMENT: 2018-06-20: TIL Itemization did not disclose the $27 Assignment recording, $18 recording fee and $27 subordination recording fee as prepaid finance charges. B B Yes Yes Final HUD1 FL 12/XX/2006 Refinance Primary XXX $XXX  
25854546 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. - EV2   B B Yes Yes Final HUD1 WA 12/XX/2006 Refinance Primary XXX $XXX  
25674376 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A Yes Yes Final HUD1 GA 1/XX/2007 Purchase Primary XXX $XXX  
25327215 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 9/XX/2006 Refinance Primary XXX $XXX  
25261693 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 11/XX/2006 Purchase Primary XXX $XXX  
25113113 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 2/XX/2007 Purchase Primary XXX $XXX  
25741245 2       2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B No Yes Final HUD1 PA 2/XX/2007 Purchase Primary XXX $XXX  
25510923 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 OK 3/XX/2007 Purchase Primary XXX $XXX  
25246192 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MA 3/XX/2007 Refinance Primary XXX $XXX  
25285119 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 5/XX/2007 Refinance Primary XXX $XXX  
25698002 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2   B B No Yes Final HUD1 FL 4/XX/2007 Purchase Primary XXX $XXX  
25412731 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2007 Refinance Primary XXX $XXX  
25275878 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MN 4/XX/2007 Purchase Primary XXX $XXX  
25425104 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A Yes Yes Final HUD1 NV 5/XX/2007 Refinance Primary XXX $XXX  
25544311 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 IL 11/XX/2006 Refinance Investment XXX $XXX  
25565952 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 PA 5/XX/2007 Purchase Primary XXX $XXX  
25047603 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 1/XX/2006 Construction-Permanent Second Home XXX $XXX  
25911595 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 5/XX/2007 Refinance Primary XXX $XXX  
25490754 2       2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 NC 5/XX/2007 Refinance Primary XXX $XXX  
25705327 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 6/XX/2007 Purchase Primary XXX $XXX  
25794062 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-07: Unable to determine under disclosure due to missing itemization of amount financed. B B No Yes Final HUD1 FL 6/XX/2007 Purchase Primary XXX $XXX  
25575141 1       1     A A No Yes Final HUD1 FL 6/XX/2007 Purchase Primary XXX $XXX  
25685839 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 6/XX/2007 Purchase Primary XXX $XXX  
25893992 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 6/XX/2007 Refinance Primary XXX $XXX  
25291670 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 7/XX/2007 Purchase Primary XXX $XXX  
25418641 1       1     A A No Yes Final HUD1 FL 6/XX/2007 Purchase Primary XXX $XXX  
25903250 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 6/XX/2007 Refinance Second Home XXX $XXX  
25975812 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 7/XX/2007 Purchase Primary XXX $XXX  
25231862 1       1     A A No Yes Final HUD1 FL 7/XX/2007 Purchase Investment XXX $XXX  
25057307 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 8/XX/2007 Refinance Primary XXX $XXX  
25377933 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Prepayment Penalty Discrepancy - EV2   B B Yes Yes Final HUD1 GA 9/XX/2007 Refinance Primary XXX $XXX  
25511663 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 TX 8/XX/2007 Purchase Primary XXX $XXX  
25134870 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A Yes Yes Final HUD1 CA 9/XX/2007 Refinance Primary XXX $XXX  
25028209 1       1     A A Yes Yes Final HUD1 MD 9/XX/2007 Refinance Primary XXX $XXX  
25567611 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2   D D Yes Yes HUD1, not signed or stamped CA 9/XX/2007 Purchase Primary XXX $XXX  
25236467 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 9/XX/2007 Purchase Primary XXX $XXX  
25735507 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-14: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 WA 11/XX/2007 Refinance Primary XXX $XXX  
25436031 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 11/XX/2007 Refinance Primary XXX $XXX  
25535530 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 11/XX/2007 Purchase Primary XXX $XXX  
25718076 1       1     A A Yes Yes Final HUD1 NY 10/XX/2007 Purchase Primary XXX $XXX  
25674698 1       1     A A Yes Yes Final HUD1 FL 11/XX/2007 Refinance Primary XXX $XXX  
25629403 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-14: Unable to determine under disclosure due to missing Itemization of Amount Financed. B B Yes Yes Final HUD1 MA 11/XX/2007 Purchase Primary XXX $XXX  
25717754 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 10/XX/2007 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 10/XX/2007 Purchase Primary XXX $XXX  
25140165 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-06-28: No itemization of amount financed was provided to determine source of under disclosure B B Yes Yes Final HUD1 FL 1/XX/2008 Refinance Primary XXX $XXX  
25224836 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 1/XX/2008 Refinance Primary XXX $XXX  
25475518 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 1/XX/2008 Refinance Primary XXX $XXX  
25562377 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-07-15: 10 day grade period is less than 15 day minimum per state (MD). B B Yes Yes Final HUD1 MD 11/XX/2005 Refinance Primary XXX $XXX  
25298757 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 3/XX/2008 Purchase Primary XXX $XXX  
25218362 1       1     A A Yes Yes Final HUD1 GA 3/XX/2008 Purchase Primary XXX $XXX  
25131863 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 4/XX/2008 Purchase Primary XXX $XXX  
25134348 2       2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WA 5/XX/2008 Refinance Primary XXX $XXX  
25105841 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 5/XX/2008 Purchase Primary XXX $XXX  
25348156 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 6/XX/2008 Refinance Primary XXX $XXX  
25953590 3   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D Yes Yes Estimated HUD1 CA 6/XX/2008 Purchase Primary XXX $XXX  
25471837 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-02: TIL itemization did not disclose a POA filing fee of $170 as a prepaid finance charge. B B Yes Yes Final HUD1 NY 8/XX/2008 Purchase Primary XXX $XXX  
25217443 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A No Yes Final HUD1 AR 8/XX/2008 Purchase Primary XXX $XXX  
25463554 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 NY 6/XX/2008 Purchase Primary XXX $XXX  
25385749 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2008 - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 3/XX/2008 Refinance Primary XXX $XXX  
25633410 1       1     A A Yes Yes Final HUD1 TX 8/XX/2008 Refinance Primary XXX $XXX  
25514646 2       2 *** (OPEN) Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation. - EV2 *** (OPEN) Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided): Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MD 2/XX/2009 Refinance Primary XXX $XXX  
25150735 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AR 3/XX/2009 Refinance Primary XXX $XXX  
25867194 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 09/XX/2009 - EV3   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 MA 9/XX/2009 Refinance Primary XXX $XXX  
25382101 1       1     A A Yes Yes Final HUD1 NJ 10/XX/2009 Refinance Primary XXX $XXX  
25271369 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 11/XX/2009 - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 11/XX/2009 Refinance Primary XXX $XXX  
25256931 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NH 11/XX/2009 Purchase Primary XXX $XXX  
25885174 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 12/XX/2009 Refinance Primary XXX $XXX  
25788213 3   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2010 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA - Incorrect HUD-1 Form Used: RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes Yes HUD1, not signed or stamped CA 2/XX/2010 Refinance Primary XXX $XXX  
25334990 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-10: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 WA 6/XX/2010 Refinance Primary XXX $XXX  
25212876 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 07/XX/2010 - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) (Doc Error) GFE Error: Days before settlement not provided.: GFE Date: 09/XX/2010 - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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). - EV2   B B Yes Yes Final HUD1 NC 11/XX/2010 Refinance Primary XXX $XXX  
25936603 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 TX 12/XX/2010 Refinance Primary XXX $XXX  
25697264 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 11/XX/2010 - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2   B B Yes Yes Final HUD1 GA 1/XX/2011 Refinance Primary XXX $XXX  
25994917 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2   B B Yes Yes Final HUD1 MN 2/XX/2011 Refinance Primary XXX $XXX  
25189635 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 6/XX/2011 Refinance Primary XXX $XXX  
25286491 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (2010): Loan Amount on Final HUD-1 does not match Note. - EV2 *** (OPEN) RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OK 6/XX/2011 Refinance Primary XXX $XXX  
25380072 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2   B B No Yes Final HUD1 PA 6/XX/2011 Purchase Primary XXX $XXX  
25344694 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-12: Unable to determine under disclosure due to missing itemization of amount financed. *** (OPEN) 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. COMMENT: 2018-07-12: The document was printed 7/XX/2011. B B No Yes Final HUD1 FL 8/XX/2011 Purchase Primary XXX $XXX  
25730964 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. - EV2 *** (OPEN) SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2   B B Yes Yes Final HUD1 IN 8/XX/2011 Refinance Primary XXX $XXX  
25045393 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2   B B Yes Yes Final HUD1 PA 9/XX/2011 Refinance Primary XXX $XXX  
25302720 2       2 *** (OPEN) (Doc Error) GFE Error: Interest rate available through date not provided.: GFE Date: 11/XX/2011 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MN 12/XX/2011 Purchase Primary XXX $XXX  
25238440 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 1/XX/2012 Refinance Primary XXX $XXX  
25197828 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 OR 3/XX/2012 Purchase Primary XXX $XXX  
25348259 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2   B B Yes Yes Final HUD1 VA 2/XX/2013 Refinance Primary XXX $XXX  
25914565 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2013 - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. - EV2 *** (OPEN) SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2   B B Yes Yes Final HUD1 PA 5/XX/2013 Refinance Primary XXX $XXX  
25568583 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2013 - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-19: Unable to determine under disclosure due to missing Itemization of amount financed. B B Yes Yes Final HUD1 KS 4/XX/2013 Refinance Primary XXX $XXX  
25957275 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information. - EV2 *** (OPEN) SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information. - EV2 *** (OPEN) SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IA 4/XX/2013 Refinance Primary XXX $XXX  
25446988 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 04/XX/2013 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-19: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 VA 7/XX/2013 Refinance Primary XXX $XXX  
25236556 2 1     2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. COMMENT: 2018-06-26: 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. *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. COMMENT: 2018-06-26: Final GFE dated 03/XX/2015 reflects a payment of $1,773.76; Note verifies the payment is $1,506.97. *** (OPEN) RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. COMMENT: 2018-06-26: Final GFE dated 03/XX/2015 reflects an interest rate of 3.625%; Note verifies the interest rate is 4.125%. *** (OPEN) RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (2010): Loan Term on Final GFE does not match Note. COMMENT: 2018-06-26: Final GFE dated 03/XX/2015 reflects a loan term of 15 years; Note verifies the loan term is 20 years. *** (OPEN) 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. COMMENT: 2018-06-27: 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. *** (OPEN) 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.) COMMENT: 2018-07-13: 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. B B Yes Yes Final HUD1 FL 4/XX/2015 Refinance Primary XXX $XXX  
25524305 1 1     1     A A Yes Yes Final HUD1 FL 7/XX/2015 Refinance Primary XXX $XXX  
25726650 2 1     2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (CURED) 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) - EV1 *** (OPEN) 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) COMMENT: 2018-06-29: 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. *** (OPEN) 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) COMMENT: 2018-06-29: 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. *** (CURED) 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) COMMENT: 2018-06-29: 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. B B Yes No   TN 6/XX/2016 Refinance Primary XXX $XXX  
25070398 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-17: Unable to determine under disclosure due to missing TIL Itemization only reflecting a lump sum of prepaid finance charges. B B No Yes Final HUD1 CA 1/XX/1999 Purchase Primary XXX $XXX  
25180083 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IN 8/XX/2001 Purchase Primary XXX $XXX  
25444620 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 1/XX/2003 Purchase Primary XXX $XXX  
25403975 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 10/XX/2003 Purchase Primary XXX $XXX  
25802909 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 6/XX/2007 Purchase Primary XXX $XXX  
25919306 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-02-19: Unable to determine under disclosure due to missing itemization of amount financed. B B No Yes Final HUD1 VA 10/XX/2005 Purchase Primary XXX $XXX  
25502324 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 RI 10/XX/2007 Refinance Investment XXX $XXX  
25186818 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3   2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 6/XX/2008 Refinance Primary XXX $XXX  
25045682 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 FL 3/XX/2005 Purchase Primary XXX $XXX  
25400043 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 4/XX/2009 Purchase Primary XXX $XXX  
25348881 1   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   1     A A No Yes Final HUD1 FL 5/XX/2005 Purchase Primary XXX $XXX  
25868650 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 1/XX/2008 Refinance Primary XXX $XXX  
25414568 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-02-21: TIL itemization did not disclose a compliance fee of $450 as a prepaid finance charge. B B No Yes Final HUD1 FL 6/XX/2008 Purchase Primary XXX $XXX  
25685143 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 11/XX/2008 Purchase Primary XXX $XXX  
25124288 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B Yes Yes Final HUD1 GA 7/XX/2008 Purchase Primary XXX $XXX  
25701041 1   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 LA 5/XX/2003 Purchase Primary XXX $XXX  
25218048 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. COMMENT: 2019-02-19: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 FL 10/XX/2007 Refinance Primary XXX $XXX  
25027332 1       1     A A No Yes Final HUD1 FL 8/XX/2003 Purchase Primary XXX $XXX  
25911807 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NM 9/XX/2004 Purchase Primary XXX $XXX  
25589856 2       2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-02-19: Under disclosure due to final TIL not reflecting MI B B Yes Yes Final HUD1 MA 12/XX/2007 Refinance Primary XXX $XXX  
25061398 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-02-20: The Lender's TIL reflects MI dropping off after 151 months, however, the audited TIL indicates MI through the entire loan. B B Yes Yes Final HUD1 NJ 3/XX/2009 Refinance Primary XXX $XXX  
25838271 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 FL 4/XX/2007 Purchase Primary XXX $XXX  
25565150 2       2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) New York Prepayment Penalty: New York Prepayment Penalty: Prepayment penalty not permissible by state law. - EV2 *** (OPEN) New York Prepayment Penalty: New York Prepayment Penalty: Prepayment penalty not permissible by state law. COMMENT: 2019-02-19: PPP Expired. Prepayment charge not allowed per state (NY) - max prepayment charge for NY is 0 - note states 6 months interest. Lender is XXX. B B Yes Yes Final HUD1 NY 7/XX/2006 Refinance Primary XXX $XXX  
25150940 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 NY 10/XX/2003 Purchase Primary XXX $XXX  
25574277 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NJ 6/XX/2006 Purchase Investment XXX $XXX  
25550610 2   *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Valuation: COMMENT: 2019-10-02: Appraisal not provided. 2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2   B B Yes Yes HELOC Agreement NC 8/XX/2004 Refinance Primary XXX $XXX  
25371312 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) (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. COMMENT: 2019-10-02: File is missing verification of employment and an approval. *** (OPEN) 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. COMMENT: 2019-10-01: ? 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. C C Yes Yes Final HUD1 NC 7/XX/2011 Refinance Primary XXX $XXX  
25151763 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 LA 6/XX/2007 Refinance Primary XXX $XXX  
25532596 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (2010): Interest Rate on Final HUD-1 does not match Note. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (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. COMMENT: 2019-10-01: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. *** (OPEN) 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. COMMENT: 2019-10-01: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. B B Yes Yes Final HUD1 TN 10/XX/2010 Refinance Primary XXX $XXX  
25912400 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2019-10-02: Appraisal not provided. 2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 AL 3/XX/2009 Refinance Primary XXX $XXX  
25313957 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing MS 5/XX/2007 UTD Primary XXX $XXX  
25490781 1   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 MS 2/XX/2008 Refinance Primary XXX $XXX  
25832170 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2 *** (OPEN) South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. COMMENT: 2019-10-01: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. B B Yes Yes Final HUD1 SC 4/XX/2007 Refinance Primary XXX $XXX  
25119029 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B Yes Yes Final HUD1 LA 5/XX/2006 Refinance Primary XXX $XXX  
25121875 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing LA 6/XX/2006 UTD UTD XXX $XXX  
25832817 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 AL 1/XX/2006 Refinance Primary XXX $XXX  
25084409 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 AL 12/XX/2005 Refinance Primary XXX $XXX  
25552477 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) South Carolina Home Loan (No Tangible Net Benefit): Unable to test tangible net benefit due to missing information. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) (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. COMMENT: 2019-10-01: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. *** (OPEN) 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. COMMENT: 2019-10-01: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. D D Yes No Missing SC 2/XX/2011 Refinance Primary XXX $XXX  
25783234 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing AL 12/XX/2000 Refinance Primary XXX $XXX  
25889449 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 LA 6/XX/2007 Refinance Primary XXX $XXX  
25125757 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing AL 1/XX/2006 Refinance Primary XXX $XXX  
25420071 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) 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. COMMENT: 2019-10-01: The loan file does not contain third party documentation of the Borrower's ability to repay the loan D D Yes No Missing AL 10/XX/2009 Refinance Primary XXX $XXX  
25898483 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2   B B Yes Yes Final HUD1 LA 12/XX/2001 Refinance Primary XXX $XXX  
25876522 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2019-10-02: Appraisal not provided. 2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 TN 6/XX/2008 Refinance Primary XXX $XXX  
25307908 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing GA 4/XX/2008 Refinance Primary XXX $XXX  
25027565 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 GA 3/XX/2000 Refinance Primary XXX $XXX  
25406509 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 6/XX/2009 Refinance Primary XXX $XXX  
25223327 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2   D D Yes No Missing SC 11/XX/2002 Refinance Primary XXX $XXX  
25623070 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing SC 11/XX/2001 UTD Primary XXX $XXX  
25191815 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing SC 2/XX/2008 Refinance Primary XXX $XXX  
25537086 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing FL 5/XX/2006 Refinance Primary XXX $XXX  
25790805 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing GA 10/XX/2007 Refinance Primary XXX $XXX  
25902463 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing AL 12/XX/2000 Refinance Primary XXX $XXX  
25375335 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 TN 11/XX/2002 Refinance Primary XXX $XXX  
25646087 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing TN 2/XX/2007 UTD Primary XXX $XXX  
25404617 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing AL 12/XX/2006 Refinance Primary XXX $XXX  
25152540 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) South Carolina Home Loan (No Tangible Net Benefit): Unable to test tangible net benefit due to missing information. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2 *** (OPEN) (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. COMMENT: 2019-10-01: Loan is missing all verification of ability to repay. *** (OPEN) 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. COMMENT: 2019-10-01: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. D D Yes No Missing SC 1/XX/2010 UTD UTD XXX $XXX  
25380627 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Final Title Policy is missing. No evidence of title in file. COMMENT: 2019-10-01: File does not contain either preliminary or final title policy 3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2   D D Yes No Missing GA 5/XX/2002 UTD Primary XXX $XXX  
25234454 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing GA 8/XX/2002 Refinance Primary XXX $XXX  
25186552 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 GA 6/XX/2003 Refinance Primary XXX $XXX  
25906851 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. COMMENT: 2019-10-02: Disclosed payment on Note of $583.55 does not correspond with the loan amount, loan term, and interest rate on the loan. B B Yes Yes Final HUD1 AL 8/XX/2007 Refinance Primary XXX $XXX  
25839109 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (2010): Interest Rate on Final HUD-1 does not match Note. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (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. COMMENT: 2019-10-01: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. *** (OPEN) 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. COMMENT: 2019-10-01: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. B B Yes Yes Final HUD1 TN 4/XX/2011 Refinance Primary XXX $XXX  
25259286 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) (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. COMMENT: 2019-10-02: File is missing the credit report and verbal verification of employment. *** (OPEN) 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. COMMENT: 2019-10-02: 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. B B Yes Yes Final HUD1 TN 9/XX/2011 Refinance Primary XXX $XXX  
25510786 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 AL 2/XX/2002 Refinance Primary XXX $XXX  
25498899 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2   C C Yes Yes HELOC Agreement MN 8/XX/2005 Refinance Primary XXX $XXX  
25190262 1   *** (OPEN) Title: Evidence of title is missing - EV3   1     A A No Yes Final HUD1 GA 3/XX/2007 Purchase Investment XXX $XXX  
25284783 2   *** (OPEN) Title: Evidence of title is missing - EV3   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2   B B Yes Yes Final HUD1 GA 5/XX/2007 Purchase Primary XXX $XXX  
25741303 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 4/XX/2007 Refinance Primary XXX $XXX  
25017083 1   *** (OPEN) Missing Document: Flood Certificate not provided - EV3 *** (OPEN) Title: Evidence of title is missing - EV3   1     A A Yes Yes Final HUD1 GA 5/XX/2007 Purchase Primary XXX $XXX  
25502659 1       1     A A Yes Yes Final HUD1 GA 7/XX/2007 Purchase Primary XXX $XXX  
25654462 1   *** (OPEN) Missing Document: Flood Certificate not provided - EV3 *** (OPEN) Title: Evidence of title is missing - EV3   1     A A Yes Yes Final HUD1 NC 4/XX/2007 Purchase Primary XXX $XXX  
25409668 1       1     A A No Yes Final HUD1 GA 9/XX/2006 Purchase Second Home XXX $XXX  
25843333 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 3/XX/2007 Purchase Investment XXX $XXX  
25344548 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2 *** (OPEN) 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. COMMENT: 2019-10-01: 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. D D Yes No Missing MD 12/XX/2006 Refinance UTD XXX $XXX  
25659737 2   *** (OPEN) Missing Document: 1003 Final not provided - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 2/XX/2008 Refinance Primary XXX $XXX  
25991977 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B Yes No Final HUD1 WI 1/XX/2004 Refinance Primary XXX $XXX  
25297995 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 1/XX/2007 Purchase Primary XXX $XXX  
25958276 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) 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). - EV2   B B Yes Yes Final HUD1 FL 5/XX/2005 Refinance Primary XXX $XXX  
25946934 2   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B Yes Yes Final HUD1 FL 9/XX/2007 Refinance Primary XXX $XXX  
25240682 2   *** (OPEN) Missing Document: 1003 Final not provided - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Unable to test terms disclosure timing due to missing information. - EV2   B B Yes Yes Final HUD1 FL 3/XX/2007 Refinance Primary XXX $XXX  
25305091 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 12/XX/2005 Refinance Primary XXX $XXX  
25570239 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 07/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MD 7/XX/2006 Refinance Primary XXX $XXX  
25834193 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 9/XX/2006 Refinance Primary XXX $XXX  
25804689 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 11/XX/2006 Refinance Primary XXX $XXX  
25076900 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2   B B Yes Yes Final HUD1 NJ 1/XX/2007 Refinance Primary XXX $XXX  
25634450 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NH 2/XX/2007 Refinance Primary XXX $XXX  
25203217 3   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   D D Yes Yes HUD1, not signed or stamped VA 2/XX/2007 Refinance Primary XXX $XXX  
25878572 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 04/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IA 5/XX/2007 Refinance Primary XXX $XXX  
25973619 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 5/XX/2007 Refinance Primary XXX $XXX  
25364398 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 6/XX/2007 Refinance Primary XXX $XXX  
25678517 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 7/XX/2007 Refinance Primary XXX $XXX  
25758830 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 08/XX/2007 - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 8/XX/2007 Refinance Primary XXX $XXX  
25151571 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 08/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 8/XX/2007 Refinance Primary XXX $XXX  
25735168 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 09/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 10/XX/2007 Refinance Primary XXX $XXX  
25329657 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 HI 11/XX/2007 Refinance Primary XXX $XXX  
25968586 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 OH 4/XX/2003 Purchase Primary XXX $XXX  
25958857 1       1     A A Yes Yes Final HUD1 CO 10/XX/2003 Refinance Primary XXX $XXX  
25556356 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-01-12: PPP Expired. Prepayment penalty of 36 months exceeds GA limit of 24 months. Lender is XXX. B B Yes Yes Final HUD1 GA 2/XX/2005 Purchase Primary XXX $XXX  
25924453 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 OH 3/XX/2005 Refinance Primary XXX $XXX  
25410176 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2005 Purchase Primary XXX $XXX  
25212074 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NE 4/XX/2005 Refinance Primary XXX $XXX  
25560578 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 8/XX/2005 Purchase Primary XXX $XXX  
25221382 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements COMMENT: 2018-01-12: 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. B B No Yes Final HUD1 VA 11/XX/2005 Purchase Primary XXX $XXX  
25494792 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 VA 12/XX/2005 Refinance Primary XXX $XXX  
25186502 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 12/XX/2005 Refinance Primary XXX $XXX  
25871014 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) South Carolina Consumer Protection Code - Attorney Preference Disclosure Not Provided: South Carolina Consumer Protection Code: Attorney/Insurer Preference Disclosure not provided to borrower. - EV2   B B Yes Yes Final HUD1 SC 5/XX/2006 Refinance Primary XXX $XXX  
25880516 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-01-12: Unable to determine under disclosure due to missing Itemization of Amount Financed. B B Yes Yes Final HUD1 VA 1/XX/2007 Refinance Primary XXX $XXX  
25952705 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania Consumer Discount Company Subordinate Lien Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. - EV2   B B Yes Yes Final HUD1 PA 2/XX/2007 Refinance Primary XXX $XXX  
25645131 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NC 9/XX/2004 Refinance Second Home XXX $XXX  
25612285 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Document: Appraisal not provided COMMENT: 2018-01-16: Appraisal not provided. 2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 2/XX/2006 Refinance Primary XXX $XXX  
25535039 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 2/XX/2006 Refinance Primary XXX $XXX  
25722707 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 02/XX/2006 - EV3 *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 2/XX/2006 Refinance Primary XXX $XXX  
25255050 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 05/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2   B B Yes Yes Final HUD1 OH 5/XX/2006 Refinance Primary XXX $XXX  
25009921 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2   B B Yes Yes Final HUD1 MI 9/XX/2006 Refinance Primary XXX $XXX  
25076621 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 11/XX/2006 Refinance Primary XXX $XXX  
25528255 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) South Carolina Consumer Protection Code - Attorney Preference Disclosure Not Provided: South Carolina Consumer Protection Code: Attorney/Insurer Preference Disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 SC 12/XX/2006 Refinance Primary XXX $XXX  
25795831 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 12/XX/2006 Refinance Primary XXX $XXX  
25140097 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 1/XX/2007 Refinance Primary XXX $XXX  
25074869 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3   D D Yes Yes HUD1, not signed or stamped GA 1/XX/2007 Refinance Primary XXX $XXX  
25187946 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 3/XX/2007 Refinance Primary XXX $XXX  
25742313 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 03/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 3/XX/2007 Refinance Primary XXX $XXX  
25637231 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AZ 6/XX/2007 Refinance Primary XXX $XXX  
25573811 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: AVM / Valuation Report Date: 06/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 6/XX/2007 Refinance Primary XXX $XXX  
25307221 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 KS 7/XX/2007 Refinance Primary XXX $XXX  
25851410 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2   B B Yes Yes Final HUD1 AL 7/XX/2007 Refinance Primary XXX $XXX  
25290168 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 8/XX/2007 Refinance Primary XXX $XXX  
25078641 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2   B B Yes Yes HELOC Agreement CA 6/XX/2006 Refinance Primary XXX $XXX  
25966875 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 4/XX/1999 Refinance Primary XXX $XXX  
25100309 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 08/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Line of Credit Closing Statement MD 8/XX/2007 Refinance Primary XXX $XXX  
25197646 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 01/XX/2006 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B Yes Yes Itemization referenced in Agreement ME 2/XX/2006 Refinance Primary XXX $XXX  
25907580 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 06/XX/2007 - EV3 *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Line of Credit Closing Statement NC 6/XX/2007 Refinance Primary XXX $XXX  
25104954 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 09/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 10/XX/2007 Refinance Primary XXX $XXX  
25089216 2   *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Itemization referenced in Agreement NC 2/XX/2008 Refinance Primary XXX $XXX  
25199457 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2   B B Yes Yes HELOC Agreement NY 5/XX/2007 Refinance Primary XXX $XXX  
25420673 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 12/XX/2005 - EV3 *** (OPEN) Security Instrument is not signed by borrower(s). - EV3 *** (OPEN) Title: Evidence of title is missing - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2   B B Yes Yes Itemization referenced in Agreement PA 12/XX/2005 Refinance Primary XXX $XXX  
25866490 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 11/XX/2005 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania Consumer Discount Company Subordinate Lien Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2   B B Yes Yes HELOC Agreement PA 11/XX/2005 Refinance Primary XXX $XXX  
25725632 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 03/XX/2007 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Note Error: Note grace period days less than minimum per state - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Note Error: Note grace period days less than minimum per state COMMENT: 2018-01-12: 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).] B B Yes Yes HELOC Agreement TN 3/XX/2007 Refinance Primary XXX $XXX  
25986533 2   *** (OPEN) Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 10/XX/2005 - EV3   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 10/XX/2005 Refinance Primary XXX $XXX  
25563676 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 12/XX/2005 Refinance Primary XXX $XXX  
25870765 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MO 1/XX/2006 Refinance Primary XXX $XXX  
25576646 1       1     A A Yes Yes Final HUD1 NY 6/XX/2006 Refinance Primary XXX $XXX  
25350496 1   *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   1     A A Yes Yes Final HUD1 MS 11/XX/2006 Refinance Primary XXX $XXX  
25358473 1       1     A A Yes Yes Final HUD1 VA 8/XX/2006 Refinance Primary XXX $XXX  
25898155 3       3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file does not contain loan images. D D   No           XXX $XXX  
25222710 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 5/XX/2001 Refinance Primary XXX $XXX  
25652271 2   *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) (Doc Error) RTC Error: Right to Cancel expiration date is blank. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 11/XX/2002 Refinance Primary XXX $XXX  
25755434 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: The itemization of amount financed did not include the attorney fee of $450 as a prepaid finance charge. B B Yes Yes Final HUD1 NC 12/XX/2004 Refinance Primary XXX $XXX  
25996437 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 NC 4/XX/2005 Refinance Primary XXX $XXX  
25027671 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 SC 6/XX/2005 Purchase Investment XXX $XXX  
25526086 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 8/XX/2005 Refinance Primary XXX $XXX  
25667163 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2006 Refinance Primary XXX $XXX  
25332761 2       2 *** (OPEN) (Doc Error) Loan was portrayed as first lien but found to be a second lien - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2006 Refinance Primary XXX $XXX  
25446640 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) 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 - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MI 6/XX/2004 Refinance Primary XXX $XXX  
25089072 2       2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2   B B No No Final HUD1 AZ 7/XX/2004 Purchase Primary XXX $XXX  
25434834 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MI 1/XX/2005 Refinance Primary XXX $XXX  
25654070 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MI 11/XX/2004 Refinance Primary XXX $XXX  
25377355 2       2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B No Yes Final HUD1 MI 2/XX/2005 Refinance Primary XXX $XXX  
25657875 2       2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B No Yes Final HUD1 AZ 4/XX/2005 Purchase Primary XXX $XXX  
25540120 2       2 *** (OPEN) 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 - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B No Yes Final HUD1 MI 5/XX/2005 Purchase Primary XXX $XXX  
25056490 1       1     A A No No HELOC Agreement AZ 12/XX/2005 Refinance Primary XXX $XXX  
25664801 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2   B B No No Final HUD1 MI 6/XX/2005 Refinance Primary XXX $XXX  
25543204 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) 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 - EV2   B B No Yes Final HUD1 MI 5/XX/2005 Refinance Primary XXX $XXX  
25904113 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2   B B No No HELOC Agreement MI 7/XX/2005 Refinance Primary XXX $XXX  
25285088 2       2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B No No Final HUD1 MI 7/XX/2005 Refinance Primary XXX $XXX  
25187358 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B Yes Yes Final HUD1 MA 8/XX/2005 Refinance Primary XXX $XXX  
25751712 2       2 *** (OPEN) 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 - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B No Yes Final HUD1 MI 10/XX/2005 Purchase Primary XXX $XXX  
25697012 2       2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2   B B No Yes Final HUD1 MI 10/XX/2005 Purchase Primary XXX $XXX  
25782252 1       1     A A Yes Yes Final HUD1 NC 2/XX/2007 Refinance Primary XXX $XXX  
25796634 1       1     A A Yes Yes Final HUD1 NC 8/XX/2008 Refinance Primary XXX $XXX  
25875891 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 3/XX/2006 Purchase Primary XXX $XXX  
25538941 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 1/XX/2006 Refinance Primary XXX $XXX  
25057890 1       1     A A Yes Yes Final HUD1 VA 6/XX/2007 Refinance Primary XXX $XXX  
25264570 2       2 *** (OPEN) (Doc Error) RTC Error: Right to Cancel expiration date is blank. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2007 Refinance Primary XXX $XXX  
25132699 1   *** (OPEN) Missing Document: Appraisal not provided - EV3   1     A A Yes Yes Final HUD1 VA 4/XX/2008 Refinance Primary XXX $XXX  
25725413 1       1     A A Yes Yes Final HUD1 VA 2/XX/2008 Refinance Primary XXX $XXX  
25590351 1   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 VA 7/XX/2004 Refinance Primary XXX $XXX  
25433537 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2   B B Yes Yes Final HUD1 VA 11/XX/2005 Refinance Primary XXX $XXX  
25491258 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2   B B Yes Yes Final HUD1 VA 7/XX/2006 Refinance Primary XXX $XXX  
25965650 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 10/XX/2006 Refinance Primary XXX $XXX  
25010967 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 1/XX/2008 Refinance Investment XXX $XXX  
25672291 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 6/XX/2008 Refinance Primary XXX $XXX  
25258368 1       1     A A Yes Yes Final HUD1 DE 1/XX/2008 Refinance Primary XXX $XXX  
25843581 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 PA 3/XX/2006 Purchase Primary XXX $XXX  
25741775 1   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   1     A A Yes Yes Final HUD1 PA 7/XX/2007 Refinance Primary XXX $XXX  
25252797 1       1     A A No Yes Final HUD1 AK 11/XX/2005 Purchase Primary XXX $XXX  
25980819 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2   B B Yes Yes Final HUD1 VA 9/XX/2007 Refinance Primary XXX $XXX  
25272823 1   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Lien Position 1 Other Financing Document is missing.: Lien Position: 1 - EV3   1     A A No Yes Final HUD1 VA 10/XX/2006 Purchase Primary XXX $XXX  
25377281 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B No Yes Final HUD1 FL 4/XX/2006 Purchase Primary XXX $XXX  
25759956 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2   B B No Yes HELOC Agreement CA 6/XX/2006 Purchase Primary XXX $XXX  
25111437 2       2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B No Yes Final HUD1 CA 6/XX/2006 Refinance Primary XXX $XXX  
25275533 2   *** (OPEN) Lien Position 1 Other Financing Document is missing.: Lien Position: 1 - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B No Yes Final HUD1 CA 5/XX/2006 Purchase Primary XXX $XXX  
25858135 2       2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2 *** (OPEN) 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. COMMENT: 2019-10-01: 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. B B No Yes Final HUD1 CA 6/XX/2006 Purchase Primary XXX $XXX  
25412420 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Valuation: COMMENT: 2019-10-02: Appraisal not provided. 2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 CA 6/XX/2006 Refinance Primary XXX $XXX  
25107937 2       2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement CA 7/XX/2006 Refinance Primary XXX $XXX  
25267570 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 CA 7/XX/2006 Refinance Primary XXX $XXX  
25510173 2       2 *** (OPEN) California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2   B B No Yes HELOC Agreement CA 5/XX/2007 Purchase Primary XXX $XXX  
25350848 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing OH 10/XX/2006 UTD Primary XXX $XXX  
25678419 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing TN 2/XX/2007 Purchase Primary XXX $XXX  
25739110 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing KY 12/XX/2006 UTD Primary XXX $XXX  
25859355 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing IL 7/XX/2008 UTD Primary XXX $XXX  
25397537 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IN 2/XX/2008 Refinance Investment XXX $XXX  
25768635 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing FL 9/XX/2006 UTD Primary XXX $XXX  
25533824 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing GA 6/XX/2007 Purchase Primary XXX $XXX  
25009667 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing AZ 1/XX/2007 UTD Primary XXX $XXX  
25286493 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing GA 9/XX/2005 Purchase Primary XXX $XXX  
25108536 3   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing SC 12/XX/2005 Refinance Primary XXX $XXX  
25210741 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing FL 6/XX/2009 UTD Primary XXX $XXX  
25040639 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing MA 1/XX/2007 UTD UTD XXX $XXX  
25833739 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing NV 11/XX/2006 Purchase Primary XXX $XXX  
25584728 3 1 *** (CLEARED) There are red flags on the fraud report that have not been addressed: Credit Report: Original // Borrower: XXX - EV1 *** (CLEARED) There are red flags on the fraud report that have not been addressed: Credit Report: Original // Borrower: XXX COMMENT: 2019-01-24: Missing a Letter of Explanation for prior foreclosures. Fraud Report shows a foreclosure occurred on 8/XX/2015. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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/XXX2514327) - EV2 *** (CURED) 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) - EV1 *** (OPEN) 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. COMMENT: 2018-11-21: 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). *** (OPEN) 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) COMMENT: 2018-11-21: A verification of the borrower's previous employment dates is not in the loan file as required by Appendix Q. *** (CURED) 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) COMMENT: 2018-11-21: The Lender provided an $11.00 cure at closing. C B Yes No   NJ 7/XX/2018 Purchase Primary XXX $XXX $59,095.29
25661510 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing CO 5/XX/2006 Refinance Primary XXX $XXX  
25935841 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing UT 7/XX/2009 UTD UTD XXX $XXX  
25777991 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing IL 8/XX/2004 Purchase Primary XXX $XXX  
25274225 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing IL 5/XX/2006 Purchase Primary XXX $XXX  
25870799 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing IL 8/XX/2009 Refinance Second Home XXX $XXX  
25740192 3 3 *** (OPEN) Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Appraisal / Valuation Report Date: 01/XX/2017 - EV3 *** (OPEN) AUS Findings: Investor qualifying total debt ratio discrepancy. - EV3 *** (OPEN) 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) - EV3 *** (CLEARED) 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) - EV1 *** (CLEARED) FHA - Important Notice to Homebuyer (92900-B) is not compliant.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Appraisal / Valuation Report Date: 01/XX/2017 COMMENT: 2018-08-13: Re-certification value was done 131 days after original effective appraisal date of 01/05/17. *** (OPEN) AUS Findings: Investor qualifying total debt ratio discrepancy. COMMENT: 2018-08-13: Lender income used $5,185.97 and system calculated $$5,135.00 *** (OPEN) 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) COMMENT: 2019-01-16: The only signed and dated Important Notice to Homebuyer is dated the day of closing which was not within 3 days of application. *** (CLEARED) 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) COMMENT: 2019-01-16: Page 4 is not signed by the lender. *** (CLEARED) FHA - Important Notice to Homebuyer (92900-B) is not compliant.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) COMMENT: 2018-12-03: Not signed by the borrower. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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. COMMENT: 2018-08-13: Due to file is not FHA salable loan *** (OPEN) 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. COMMENT: 2018-08-13: Due to file is not FHA salable loan *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-08-13: Due to file is not FHA salable loan *** (OPEN) 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. COMMENT: 2018-08-13: Max allowed DTI is 50% per guidelines and Due to file is not FHA salable loan *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. COMMENT: 2018-08-13: Not signed by the borrower. *** (OPEN) 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) COMMENT: 2018-08-13: 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 *** (OPEN) 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) COMMENT: 2018-08-13: This exception is due to open 0% or 10% tolerance exceptions and will be cured when all tolerance violations are resolved *** (OPEN) 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) COMMENT: 2018-08-13: No evidence of early receipt located in the file *** (OPEN) 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) COMMENT: 2018-08-13: 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. *** (OPEN) 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) COMMENT: 2018-08-13: 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. *** (OPEN) 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) COMMENT: 2018-08-13: 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. *** (OPEN) 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) COMMENT: 2018-08-13: 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. C C Yes No   NH 6/XX/2017 Refinance Primary XXX $XXX $214,278.25
25300504 3 3 *** (OPEN) The Borrower has mortgage late payment(s) within the prior 12 months. - EV3 *** (OPEN) The Hazard Insurance Policy effective date is after the Transaction Date. - EV3 *** (CLEARED) Incomplete Document: Pay History is incomplete - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Note - Subordinate Lien not provided - EV1 *** (CLEARED) Patriot Act Disclosure is missing: Disclosure: Patriot Act Disclosure - EV1 *** (OPEN) The Borrower has mortgage late payment(s) within the prior 12 months. COMMENT: 2018-12-21: 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. *** (OPEN) The Hazard Insurance Policy effective date is after the Transaction Date. COMMENT: 2018-11-29: The Hazard Insurance Policy Effective Date of 08/XX/2015 is 2 days after the Transaction Date of 08/XX/2015. *** (CLEARED) Incomplete Document: Pay History is incomplete COMMENT: 2018-12-21: Pay history is missing from 12/XX/2016 to 11/XX/2017. *** (CLEARED) 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. COMMENT: 2018-12-21: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) Missing Document: Note - Subject Lien not provided - EV1 *** (OPEN) 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. COMMENT: 2018-11-29: 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). *** (OPEN) 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. COMMENT: 2018-11-29: 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.. C B Yes Yes Final HUD1 WA 8/XX/2015 Purchase Primary XXX $XXX $142,609.42
25493424 3 3 *** (OPEN) AUS Findings: Investor qualifying total debt ratio discrepancy. - EV3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Guideline Requirement: Investor qualifying total debt ratio discrepancy. - EV3 *** (OPEN) Income Docs Missing:: Borrower: XXX, Borrower: XXX - EV3 *** (OPEN) Insufficient Coverage: Hazard insurance coverage amount is insufficient. - EV3 *** (CLEARED) AUS Findings: All conditions were not met - EV1 *** (CLEARED) Income documentation requirements not met according to the AUS in file. - EV1 *** (CLEARED) Missing Document: Mortgage Loan Payoff Statement not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (OPEN) AUS Findings: Investor qualifying total debt ratio discrepancy. COMMENT: 2018-12-07: The lender calculated rental income using only the Schedule E from the 2014 Federal Tax Return when Appendix Q requires a 24 month review. *** (OPEN) Guideline Requirement: Investor qualifying total debt ratio discrepancy. COMMENT: 2018-12-07: The lender calculated rental income using only the Schedule E from the 2014 Federal Tax Return when Appendix Q requires a 24 month review. *** (CLEARED) AUS Findings: All conditions were not met COMMENT: 2018-12-21: Income calculations were not completed in accordance with Appendix Q. *** (CLEARED) Missing Document: Mortgage Loan Payoff Statement not provided COMMENT: 2018-12-28: Title Commitment reflects the property was held free & clear. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-28: Missing pay history from 01/XX/2017 to 12/XX/2018. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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 - EV3 *** (OPEN) 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.) - EV3 *** (OPEN) Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) - EV3 *** (OPEN) Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) - EV3 *** (OPEN) Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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) - EV3 *** (OPEN) 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) - EV3 *** (OPEN) 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) - EV3 *** (OPEN) 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) - EV3 *** (OPEN) 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) - EV3 *** (OPEN) 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) - EV3 *** (OPEN) 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) - EV2 *** (OPEN) QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (Cindy/Ethington/2514513) - EV2 *** (OPEN) QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (David/Ethington/2514512) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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. COMMENT: 2018-12-07: 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). *** (OPEN) 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. COMMENT: 2018-12-07: 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. *** (OPEN) 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 COMMENT: 2019-03-26: 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. *** (OPEN) Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) COMMENT: 2018-12-07: P&L's and balance sheets were not provided in the loan file. *** (OPEN) Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) COMMENT: 2018-12-07: P&L's and balance sheets were not provided in the loan file. *** (OPEN) Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX/Partnership) COMMENT: 2018-12-07: P&L's and balance sheets were not provided in the loan file. *** (OPEN) 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. COMMENT: 2018-12-21: 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. *** (OPEN) 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) COMMENT: 2018-12-07: The borrowers' acknowledged receiving the appraisal on 12/XX/2015. The appraisal report date is 1/XX/2016. *** (OPEN) QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (Cindy/Ethington/2514513) COMMENT: 2018-12-07: P&L's and balance sheets were not provided in the loan file. *** (OPEN) QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (David/Ethington/2514512) COMMENT: 2018-12-07: P&L's and balance sheets were not provided in the loan file. *** (OPEN) 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) COMMENT: 2018-12-07: The Final CD disclosed $1,114.00 as the annual insurance premium when the verified premium is $1,098.00. *** (OPEN) 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) COMMENT: 2018-12-07: The CD does not disclose the amount paid for property taxes is for 12 months. *** (OPEN) 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) COMMENT: 2018-12-07: 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 *** (OPEN) 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) COMMENT: 2018-12-07: Cure for Survey Fee of $350.00 was not provided. *** (OPEN) 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) COMMENT: 2018-12-07: Cure for Survey Fee of $350.00 was not provided. C C Yes No   FL 1/XX/2016 Refinance Primary XXX $XXX $90,457.27
25000456 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required. - EV3 *** (CLEARED) FHA - Important Notice to Homebuyer (92900-B) is not compliant.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) FHA Informed Choice Disclosure is missing.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: General Services Administration (GSA) not provided - EV1 *** (CLEARED) Missing Document: Limited Denials of Participation (LDP) not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) FHA - Important Notice to Homebuyer (92900-B) is not compliant.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) COMMENT: 2018-12-28: Unable to determine if the borrower signed this document due to page 3 is missing from the loan file. *** (CLEARED) 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. COMMENT: 2019-01-04: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-28: Pay history missing from 01/XX/2017 to 12/XX/2018. 3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-12-07: Subject loan is not eligible to be insured or guaranteed by FHA. *** (OPEN) 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. COMMENT: 2018-12-07: The initial appraisal disclosure is not located in the loan file. *** (OPEN) RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. COMMENT: 2018-12-07: Document does not appear to have been provided in loan file. *** (OPEN) 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. COMMENT: 2018-12-07: Document does not appear to have been provided in loan file. C C Yes Yes Final HUD1 FL 12/XX/2015 Purchase Primary XXX $XXX $164,420.91
25156674 2 1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-28: Pay history missing from 08/XX/2018 to 12/XX/2018. 2 *** (OPEN) 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) - EV2 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (OPEN) 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) COMMENT: 2018-12-31: The appraisal reflects annual HOA dues at $2,679.00 while the DU and Final CD reflect $2,464.00 causing the discrepancy. *** (CLEARED) 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) COMMENT: 2018-12-28: 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. *** (CLEARED) 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) COMMENT: 2018-12-28: 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. *** (CLEARED) 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) COMMENT: 2018-12-28: 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. B B Yes No   FL 6/XX/2018 Purchase Primary XXX $XXX $109,302.54
25566295 3 3 *** (OPEN) AUS Findings: All conditions were not met - EV3 *** (OPEN) AUS Findings: Available for Reserves discrepancy. - EV3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV3 *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) Guideline Requirement: Investor qualifying total debt ratio discrepancy. - EV3 *** (OPEN) Income documentation requirements not met according to the AUS in file. - EV3 *** (OPEN) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (OPEN) Missing Document: Credit Report - Post Close not provided - EV2 *** (OPEN) Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: 284.00 - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: General Services Administration (GSA) not provided - EV1 *** (CLEARED) Missing Document: Limited Denials of Participation (LDP) not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) Title Error: Title vesting does not concur with deed - EV1 *** (OPEN) AUS Findings: All conditions were not met COMMENT: 2018-12-18: The borrower did not meet the reserve requirement and did not provide an explanation for their gap in employment. *** (OPEN) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) COMMENT: 2018-12-18: Missing seller's signature. *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) COMMENT: 2018-12-18: Missing seller's and broker's signatures. *** (OPEN) Guideline Requirement: Investor qualifying total debt ratio discrepancy. COMMENT: 2018-12-18: The Lender used $-206.00 for the negative rental income when $-411.76 was confirmed by audit. *** (OPEN) Income documentation requirements not met according to the AUS in file. COMMENT: 2019-01-02: A letter of explanation fo the borrower gap in employment was not provided. *** (CLEARED) 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. COMMENT: 2019-01-07: Please provide proof of insured loan and/or refund of all premiums paid. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2019-01-04: Pay history missing from 04/XX/2017 to 12/XX/2018. *** (CLEARED) Title Error: Title vesting does not concur with deed COMMENT: 2019-01-02: The Final Title and Deed lists the borrower only while the Mortgage lists the borrower and spouse. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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, - EV3 *** (OPEN) 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.) - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514480) - EV3 *** (OPEN) 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) - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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. COMMENT: 2018-12-18: 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. *** (OPEN) 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. COMMENT: 2018-12-18: Loan had excessive DTI and a 30 day gap without an explanation in 2 year employment history. *** (OPEN) 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, COMMENT: 2018-12-18: Unable to determine ability to repay due to missing guidelines. *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-12-17: The borrower did not provide sufficient documentation to validate the required reserve amount. *** (OPEN) 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. COMMENT: 2018-12-18: The Lender used $-206.00 for the negative rental income when $-411.76 was confirmed by audit. *** (OPEN) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514480) COMMENT: 2019-01-02: There is an employment gap from 01/XX/2017-01/XX/2017 without a letter of explanation. *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. COMMENT: 2018-12-17: . *** (OPEN) 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) COMMENT: 2018-12-17: Cure for 0% tolerance violation ($561.44) was not provided. *** (OPEN) 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) COMMENT: 2018-12-18: Cure for the Appraisal Re-Inspection Fee of $150.00 was not provided. *** (OPEN) 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) COMMENT: 2018-12-17: 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. *** (OPEN) 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) COMMENT: 2018-12-17: 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. *** (OPEN) 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) COMMENT: 2018-12-17: 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. C C Yes No   FL 2/XX/2017 Purchase Primary XXX $XXX $123,409.37
25564866 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Missing Document: General Services Administration (GSA) not provided - EV3 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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. COMMENT: 2019-01-02: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-21: Pay history missing from 08/XX/2017 to 12/XX/2018. 2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (CLEARED) 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) - EV1 *** (CURED) 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) - EV1 *** (CURED) 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) - EV1 *** (CURED) 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) - EV1 *** (OPEN) 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) COMMENT: 2018-12-07: 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. *** (OPEN) 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) COMMENT: 2018-12-07: No cure was provided to the borrower. *** (OPEN) 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) COMMENT: 2018-12-07: No cure was provided to the borrower. *** (OPEN) 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) COMMENT: 2018-12-07: No cure was provided to the borrower. *** (CLEARED) 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) COMMENT: 2019-03-26: Closing Disclosure provided on 06/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. *** (CURED) 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) COMMENT: 2018-12-07: 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. *** (CURED) 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) COMMENT: 2018-12-07: 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. *** (CURED) 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) COMMENT: 2018-12-07: 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. B B Yes No   FL 6/XX/2017 Purchase Primary XXX $XXX $162,548.38
25709383 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3 *** (OPEN) The Borrower has mortgage late payment(s) within the prior 12 months. - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (CLEARED) Asset documentation requirements not met according to Decision System Input. - EV1 *** (CLEARED) AUS Findings: All conditions were not met - EV1 *** (CLEARED) FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) FHA Informed Choice Disclosure is missing.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV1 *** (CLEARED) FHA Loan Transmittal (92900-LT) is missing.: Disclosure: FHA - Loan Transmittal (92900-LT) (Government Documents) - EV1 *** (CLEARED) FHA MIP Error: Missing evidence of case number assignment date. - EV1 *** (CLEARED) Important Notice to Homebuyer (92900-B) is missing.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV1 *** (OPEN) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) COMMENT: 2018-12-07: FHA - Real Estate Certification is not compliant due to missing the real estate broker signature. *** (OPEN) The Borrower has mortgage late payment(s) within the prior 12 months. COMMENT: 2018-12-21: The borrower was 30 days delinquent for the months from 09/2017 to 11/2017. *** (CLEARED) Asset documentation requirements not met according to Decision System Input. COMMENT: 2018-12-21: 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. *** (CLEARED) AUS Findings: All conditions were not met COMMENT: 2018-12-28: 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. *** (CLEARED) FHA MIP Error: Missing evidence of case number assignment date. COMMENT: 2018-12-21: Missing FHA Case Number Assignment. *** (CLEARED) 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. COMMENT: 2019-01-02: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-21: Pay history missing from 06/XX/2017 to 12/XX/2018. 3 *** (OPEN) 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. - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (CLEARED) 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. - EV1 *** (OPEN) 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. COMMENT: 2018-12-07: Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-12-07: Loan is uninsurable property flip. C C Yes No   FL 5/XX/2017 Purchase Primary XXX $XXX $106,035.97
25281270 3 3 *** (OPEN) Borrower(s) are excluded from eligibility. - EV3 *** (OPEN) GSA exclusions not checked for all borrowers. - EV3 *** (OPEN) Patriot Act Disclosure is missing: Disclosure: Patriot Act Disclosure - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV1   3 *** (OPEN) 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. - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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) - EV2 *** (OPEN) 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. COMMENT: 2018-08-06: Loan designation noted as HUD Safe Harbor per compliance report. *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-08-06: Loan not eligible for guarantee by FHA per job notes. *** (OPEN) 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) COMMENT: 2018-08-06: LE dated prior to additional electronic consent. C C Yes No   MI 1/XX/2018 Refinance Primary XXX $XXX $67,728.20
25631739 3 3 *** (OPEN) AUS Findings: Property type discrepancy. - EV3 *** (CLEARED) Current Total Debt Ratio exceeds 50% guideline maximum. - EV1 *** (CLEARED) Incomplete Document: Pay History is incomplete - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) AUS Findings: Property type discrepancy. COMMENT: 2018-12-31: This was also the defect reason disclosed. *** (CLEARED) Current Total Debt Ratio exceeds 50% guideline maximum. COMMENT: 2019-03-25: 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. *** (CLEARED) Incomplete Document: Pay History is incomplete COMMENT: 2019-01-18: Missing pay history from 10/XX/2018 to 12/XX/2016. *** (CLEARED) 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. COMMENT: 2019-01-18: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 2 *** (OPEN) TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/XX/2018) - EV2 *** (OPEN) TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/XX/2018) COMMENT: 2018-12-31: The Seller's Closing Disclosure was not provided in the loan file. B B Yes No   CO 1/XX/2018 Purchase Primary XXX $XXX $261,108.51
25130255 3 3 *** (OPEN) AUS Findings: All conditions were not met - EV3 *** (OPEN) More than one late mortgage payment is present in the last 90 days. - EV3 *** (CLEARED) Asset documentation requirements not met according to Decision System Input. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) AUS Findings: All conditions were not met COMMENT: 2019-01-03: 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. *** (OPEN) More than one late mortgage payment is present in the last 90 days. COMMENT: 2019-01-07: Loan exhibited a 30 day delinquency for the month of 11/2018. *** (CLEARED) Asset documentation requirements not met according to Decision System Input. COMMENT: 2019-01-24: The Earnest Money Deposit of $3000 was not sourced. *** (CLEARED) 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. COMMENT: 2019-01-30: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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, - EV3 *** (OPEN) 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. - EV3 *** (OPEN) Wages Continuance: Qualified Mortgage (Dodd-Frank 2014): Employment not likely to continue. (XXX XXX/XXX XXX/Wages) - EV3 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (OPEN) 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. COMMENT: 2019-01-03: 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). *** (OPEN) 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. COMMENT: 2019-03-25: 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. *** (OPEN) 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, COMMENT: 2019-03-25: 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. *** (OPEN) 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. COMMENT: 2019-01-04: 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. *** (OPEN) Wages Continuance: Qualified Mortgage (Dodd-Frank 2014): Employment not likely to continue. (XXX XXX/XXX XXX/Wages) COMMENT: 2019-03-25: 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. *** (OPEN) 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) COMMENT: 2019-01-04: The Lender acknowledged the Appraisal was sent via email to the borrower on 9/XX/2018. The report is dated 9/XX/2018. *** (OPEN) 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) COMMENT: 2019-03-25: 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. *** (CLEARED) 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) COMMENT: 2019-01-25: The monthly Mortgage Insurance Premium of $224.51 was included in the Monthly Escrow Payment disclosed on page 4 of the final CD. *** (CLEARED) 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) COMMENT: 2019-01-25: The Estimated monthly escrow payment of $662.22 did not included the monthly Mortgage Insurance Premium. *** (CLEARED) 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) COMMENT: 2019-01-14: The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded. *** (CLEARED) 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) COMMENT: 2019-01-14: The loan file did not provide a cure in the amount of $60 for exceeding the tolerance of the Document Preparation fee. *** (CLEARED) 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) COMMENT: 2019-01-14: The loan file did not provide a cure in the amount of $453.48 for exceeding the tolerance of the Loan Discount Points fee. C C Yes No   TX 9/XX/2018 Purchase Primary XXX $XXX $266,242.46
25629176 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (CLEARED) Incomplete Document: Pay History is incomplete - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Tax Certificate not provided - EV1 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. COMMENT: 2018-12-05: Most recent inspection was field review dated 12/2017; disaster date 11/2018. *** (CLEARED) Incomplete Document: Pay History is incomplete COMMENT: 2019-01-09: Pay history missing 02/XX/2017-12/XX/2017. *** (CLEARED) 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. COMMENT: 2019-01-09: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 1     A A Yes No   CA 12/XX/2016 Purchase Primary XXX $XXX $166,826.70
25701796 3 3 *** (OPEN) 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) - EV3 *** (OPEN) FHA MIP Error: Missing evidence of case number assignment date. - EV3 *** (OPEN) Lead Based Paint Attachment - Attached to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) - EV3 *** (OPEN) Missing Document: General Services Administration (GSA) not provided - EV3 *** (OPEN) More than one late mortgage payment is present in the last 90 days. - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Limited Denials of Participation (LDP) not provided - EV1 *** (CLEARED) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV1 *** (OPEN) More than one late mortgage payment is present in the last 90 days. COMMENT: 2018-11-30: 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. *** (CLEARED) 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. COMMENT: 2018-12-19: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-11-29: Subject loan is not eligible to be insured or guaranteed by FHA. *** (OPEN) 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. COMMENT: 2018-11-29: Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. *** (OPEN) 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) COMMENT: 2018-11-29: 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. *** (CLEARED) 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. COMMENT: 2019-01-04: There is no conclusive evidence in the loan file of the date the borrower received the SC Complaint Agency Disclosure. *** (CLEARED) 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. COMMENT: 2018-12-19: The SC Complaint Agency Disclosure in file was not signed by the borrower. *** (CLEARED) 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. COMMENT: 2018-12-04: 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. C C Yes No   SC 8/XX/2017 Purchase Primary XXX $XXX $118,459.87
25989837 2 1     2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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%). - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (OPEN) 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) COMMENT: 2019-01-25: Final Closing Disclosure provided on 09/XX/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. *** (CLEARED) 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. COMMENT: 2019-02-04: Fails QM Testing due to excessive Points and Fees on subject loan of 3.52675% . *** (CLEARED) 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%). COMMENT: 2019-02-04: 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. *** (CLEARED) 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. COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. *** (CLEARED) 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) COMMENT: 2019-01-31: 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. B B Yes No   NY 9/XX/2018 Refinance Primary XXX $XXX $197,528.89
25733351 3 3 *** (OPEN) AUS Findings: All conditions were not met - EV3 *** (OPEN) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (CLEARED) 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) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Security Instrument not provided - EV1 *** (CLEARED) Patriot Act Disclosure is missing: Disclosure: Patriot Act Disclosure - EV1 *** (OPEN) AUS Findings: All conditions were not met COMMENT: 2018-12-13: 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. *** (CLEARED) 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) COMMENT: 2018-12-11: Not signed by lender. *** (CLEARED) 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. COMMENT: 2018-12-11: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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 - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514535) - EV3 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information. - EV2 *** (CLEARED) 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 - EV1 *** (OPEN) 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. COMMENT: 2018-12-05: Loan Designation selected from High Cost Analysis provided in loan file. *** (OPEN) 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. COMMENT: 2018-12-06: Condition is due to the loan currently not meeting the AUS requirements. *** (OPEN) 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 COMMENT: 2018-12-06: Condition is due to the loan currently not meeting the AUS requirements. *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-12-05: Missing VOE for borrower's previous employment to complete 2 year employment history. *** (OPEN) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514535) COMMENT: 2018-12-05: The loan file did not provide verification for the borrower's prior employer causing a seven month unexplained gap in employment. *** (OPEN) RESPA - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information. COMMENT: 2018-12-05: Initial Escrow Account Statement was missing the date. *** (CLEARED) 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 COMMENT: 2018-12-11: File missing the security instrument and thus the notary date which is used for purposes of determining compliance with rescission timing requirements. C C Yes No   CA 9/XX/2018 Refinance Primary XXX $XXX $419,710.29
25575833 3 3 *** (OPEN) Payment Shock exceeds credit guidelines. - EV3 *** (OPEN) The Hazard Insurance Policy effective date is after the Transaction Date. - EV3 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Verification of Non-US Citizen Status not provided - EV1 *** (CLEARED) Missing Document: Verification of Non-US Citizen Status not provided COMMENT: 2018-12-11: Missing the permanent resident alien verification for the borrower XXX. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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.) - EV3 *** (OPEN) 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. - EV3 *** (OPEN) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514305) - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. - EV2 *** (CLEARED) RESPA - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information. - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (OPEN) 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. COMMENT: 2018-11-19: The Originator Loan Designation does not match the loan designation derived from the loan review. *** (OPEN) 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. COMMENT: 2018-11-19: Non QM due to missing income verification. *** (OPEN) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514305) COMMENT: 2018-11-19: Missing letter of explanation for gap of employment for the co-borrower as required by Appendix Q. *** (OPEN) 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) COMMENT: 2018-11-19: Missing letter of explanation for co-borrower's gap of employment as required by Appendix Q.. *** (OPEN) 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) COMMENT: 2018-11-19: 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. *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. COMMENT: 2018-11-19: The loan file did not contain a copy of the Home Loan Tool Kit Disclosure. *** (CLEARED) RESPA - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information. COMMENT: 2018-11-28: The Initial Escrow Disclosure is not dated so unable to tell when borrowers received it. *** (CLEARED) 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) COMMENT: 2018-11-28: The Final CD did not disclose a dollar amount by which total closing costs were exceeded. *** (CLEARED) 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) COMMENT: 2018-11-28: The loan file did not contain a cure in the amount of $400 for exceeding the Funding Fee tolerance. *** (CLEARED) 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) COMMENT: 2018-11-28: The loan file did not contain a cure in the amount of $80 for exceeding the Tax Service (Life of Loan) tolerance. C C Yes No   CA 9/XX/2018 Purchase Primary XXX $XXX $455,766.32
25873201 2   *** (OPEN) Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) AUS Findings: All conditions were not met - EV3 *** (OPEN) AUS Findings: Combined loan to value discrepancy. - EV3 *** (OPEN) AUS Findings: Investor qualifying total debt ratio discrepancy. - EV3 *** (OPEN) Case # Assignment does not indicate "All borrowers passed SSN validation". - EV3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) 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) - EV3 *** (OPEN) FHA Informed Choice Disclosure is missing.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV3 *** (OPEN) FHA MIP Error: Missing evidence of case number assignment date. - EV3 *** (OPEN) Important Notice to Homebuyer (92900-B) is missing.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) - EV3 *** (OPEN) Income Docs Missing:: Borrower: XXX, Borrower: XXX, per guideline requirements. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: AUS not provided - EV1 *** (CLEARED) Missing Document: Credit Report not provided - EV1 *** (CLEARED) Missing Document: Hazard Insurance Policy not provided - EV1 *** (CLEARED) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV1 *** (CLEARED) No evidence of fraud report in file: Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: Sheryl Binnall - EV1 *** (CLEARED) Valuation Error: Appraiser's name not provided.: Valuation Type: Appraisal / Valuation Report Date: - EV1 *** (CLEARED) Valuation Error: State appraiser was licensed in was not provided.: Valuation Type: Appraisal / Valuation Report Date: - EV1 *** (CLEARED) Valuation Error: Valuation report date was not provided.: Valuation Type: Appraisal / Valuation Report Date: - EV1 *** (OPEN) AUS Findings: All conditions were not met COMMENT: 2018-12-05: 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.. *** (OPEN) AUS Findings: Combined loan to value discrepancy. COMMENT: 2018-12-19: The AUS was not run reflecting the secondary financing on the subject. *** (OPEN) AUS Findings: Investor qualifying total debt ratio discrepancy. COMMENT: 2018-12-19: 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. *** (OPEN) Case # Assignment does not indicate "All borrowers passed SSN validation". COMMENT: 2018-12-05: Missing all case number assignments, *** (OPEN) FHA MIP Error: Missing evidence of case number assignment date. COMMENT: 2018-12-05: Missing document. *** (OPEN) Valuation Error: Comparable(s) photos are missing or not legible.: Valuation Type: Appraisal / Valuation Report Date: 03/XX/2007 COMMENT: 2018-12-19: The photos provided are not legible. *** (OPEN) Valuation Error: Subject photos are missing or not legible.: Valuation Type: Appraisal / Valuation Report Date: 03/XX/2007 COMMENT: 2018-12-19: The subject photos are not legible. *** (CLEARED) Guideline Requirement: Investor qualifying total debt ratio discrepancy. COMMENT: 2018-12-19: Missing all income verification. *** (CLEARED) 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. COMMENT: 2019-01-30: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) Valuation Error: Appraiser's name not provided.: Valuation Type: Appraisal / Valuation Report Date: COMMENT: 2018-12-18: The 1004 provided is missing the majority of the pages. *** (CLEARED) Valuation Error: State appraiser was licensed in was not provided.: Valuation Type: Appraisal / Valuation Report Date: COMMENT: 2018-12-18: The 1004 provided is incomplete. 2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 AR 3/XX/2007 Purchase Primary XXX $XXX $92,541.22
25795634 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) 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 - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. COMMENT: 2019-01-04: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 2 *** (OPEN) 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) - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) COMMENT: 2018-12-20: The Final Closing Disclosure did not provide a dollar amount by which the total closing costs were exceeded. *** (OPEN) 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. COMMENT: 2018-12-20: The Home Loan Toolkit was delivered on 7/XX/2017. The application date is 7/XX/2017. *** (OPEN) 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 COMMENT: 2018-12-20: The loan amount increased from $165,000 to $170,250 without a valid change circumstance being disclosed. *** (OPEN) 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) COMMENT: 2018-12-20: The loan file did not contain a cure in the amount of $400 for exceeding the tolerance of the Funding Fee. *** (OPEN) 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) COMMENT: 2018-12-20: The loan file did not contain a cure in the amount of $250 for exceeding the tolerance of the Compliance/Quality Control Fee. *** (OPEN) 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) COMMENT: 2018-12-20: The loan file did not contain a cure in the amount of $58 for exceeding the tolerance of the Tax Service Fee. B B Yes No   FL 8/XX/2017 Purchase Primary XXX $XXX $161,078.09
25658279 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: 115.00 - EV2 *** (CLEARED) Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured. - EV1 *** (CLEARED) Patriot Act Disclosure is missing: Disclosure: Patriot Act Disclosure - EV1 *** (CLEARED) VA - Escape Clause was provided at or after closing.: Disclosure: VA - Escape Clause (Government Documents) - EV1 *** (CLEARED) VA Loan Disbursement Form 26- 1820 is not compliant.: Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents) - EV1 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. COMMENT: 2018-12-21: 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. *** (OPEN) Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: 115.00 COMMENT: 2018-12-24: Collection was not paid off at closing and per DU documentation supporting the omittance was required *** (CLEARED) 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. COMMENT: 2019-01-04: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) VA Loan Disbursement Form 26- 1820 is not compliant.: Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents) COMMENT: 2019-01-04: Not signed by lender 2 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (CURED) 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) - EV2 *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. - EV2 *** (CURED) 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) - EV1 *** (OPEN) 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) COMMENT: 2018-12-21: 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. *** (CURED) 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) COMMENT: 2019-01-09: 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. *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. COMMENT: 2018-12-21: The Home Loan Toolkit was not provided. *** (CURED) 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) COMMENT: 2019-01-09: 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. B B Yes No   NC 3/XX/2018 Purchase Primary XXX $XXX $121,356.96
25897478 3 3 *** (OPEN) Credit Exception: - EV3 *** (CLEARED) Incomplete Document: Pay History is incomplete - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) Credit Exception: COMMENT: 2019-01-09: 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 *** (CLEARED) Incomplete Document: Pay History is incomplete COMMENT: 2019-01-09: Missing the pay history for the months of 12/XX/2017 to 07/XX/2018. *** (CLEARED) 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. COMMENT: 2019-01-16: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 2 *** (OPEN) 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 - EV2 *** (CURED) 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) - EV1 *** (CURED) 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) - EV1 *** (CURED) 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) - EV1 *** (CURED) 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) - EV1 *** (OPEN) 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 COMMENT: 2018-12-06: Document does not appear to have been provided. *** (CURED) 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) COMMENT: 2018-12-06: 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. *** (CURED) 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) COMMENT: 2018-12-06: 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. *** (CURED) 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) COMMENT: 2018-12-06: 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. *** (CURED) 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) COMMENT: 2018-12-06: 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. B B Yes No   MA 10/XX/2017 Purchase Primary XXX $XXX $411,418.39
25461650 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing MA 2/XX/2007 Refinance Primary XXX $XXX  
25531404 3 3 *** (OPEN) FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. - EV3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Initial HUD Addendum 92900-A is missing.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) - EV3 *** (WAIVED) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (CLEARED) Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV1 *** (CLEARED) Asset documentation requirements not met according to Decision System Input. - EV1 *** (CLEARED) AUS Findings: All conditions were not met - EV1 *** (CLEARED) AUS Findings: Qualifying asset balance discrepancy. - EV1 *** (CLEARED) Builder's Certification is missing.: Disclosure: FHA - Builder's Certification of Plans, Specifications & Site (92541) (Government Documents) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV1 *** (CLEARED) FHA Informed Choice Disclosure is missing.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV1 *** (CLEARED) Final HUD Addendum 92900-A is missing.: Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) - EV1 *** (CLEARED) Important Notice to Homebuyer (92900-B) is missing.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) - EV1 *** (CLEARED) Income documentation requirements not met according to the AUS in file. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Fraud Report not provided - EV1 *** (CLEARED) Missing Document: General Services Administration (GSA) not provided - EV1 *** (CLEARED) Missing Document: Limited Denials of Participation (LDP) not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) Missing Document: Purchase Agreement / Sales Contract not provided - EV1 *** (CLEARED) Patriot Act Disclosure is missing: Disclosure: Patriot Act Disclosure - EV1 *** (CLEARED) Possible FIRREA violation, appraisal is not complete and may not offer substantial backing for value.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 - EV1 *** (CLEARED) Purchase contract date not provided. - EV1 *** (CLEARED) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV1 *** (CLEARED) 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 - EV1 *** (CLEARED) Valuation Error: Subject square feet not provided.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 - EV1 *** (CLEARED) Valuation Error: Valuation effective date was not provided.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 - EV1 *** (CLEARED) Asset documentation requirements not met according to Decision System Input. COMMENT: 2018-12-28: Missing borrower's retirement account statement. *** (CLEARED) AUS Findings: All conditions were not met COMMENT: 2018-12-28: Missing borrower's retirement account statement and VOEs to confirm 2 years employment. *** (CLEARED) AUS Findings: Qualifying asset balance discrepancy. COMMENT: 2018-12-28: Missing verification of borrower's retirement account totaling $9,941.47. *** (CLEARED) 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) COMMENT: 2019-01-02: Because the loan file is missing the initial 1003, it is not possible to determine if document was issued timely or not. *** (CLEARED) FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) COMMENT: 2019-01-02: Because the loan file is missing the initial 1003, it is not possible to determine if the disclosure was issued timely or not. *** (CLEARED) Income documentation requirements not met according to the AUS in file. COMMENT: 2018-12-21: Missing VOEs to confirm 2 years employment *** (CLEARED) 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. COMMENT: 2019-01-07: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-21: Pay history missing from 09/XX/2017 to 12/XX/2018 *** (CLEARED) Purchase contract date not provided. COMMENT: 2018-12-28: Missing purchase agreement. *** (CLEARED) 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 COMMENT: 2018-12-21: Due to incomplete appraisal, Analysis of Prior Sale / Transfer History is blank. *** (CLEARED) Valuation Error: Subject square feet not provided.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 COMMENT: 2018-12-21: Due to incomplete appraisal, Square Feet is blank. *** (CLEARED) Valuation Error: Valuation effective date was not provided.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017 COMMENT: 2018-12-21: Due to incomplete appraisal, Effective Date is blank. 3 *** (OPEN) 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). - EV3 *** (OPEN) (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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. - EV2 *** (CLEARED) (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) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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 - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Unable to test Loan Originator license due to missing information. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. (Landrau Baez,Axel Target/Wages) - EV1 *** (CLEARED) 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. (Landrau Baez,Axel O'Reilly/Wages) - EV1 *** (CLEARED) 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, - EV1 *** (CLEARED) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV1 *** (CLEARED) Missing Document: Missing Lender's Initial 1003 - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) NonQM ATR: Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. - EV1 *** (CLEARED) 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. (Landrau Baez,Axel Target/Wages) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (Axel/Landrau Baez/2015875) - EV1 *** (CLEARED) TIL Higher Priced Mortgage Loan Safe Harbor: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. - EV1 *** (CLEARED) TILA NMLSR - Individual Originator License Status Not Approved: Unable to test Individual Loan Originator license status due to missing information. - EV1 *** (CLEARED) TILA NMLSR - Originator Company License Status Not Approved: Unable to test LO company status due to missing information. - EV1 *** (CLEARED) TILA NMLSR - Originator Company Not Licensed at time of Application: Unable to test LO company NMLS license due to missing information. - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) 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). COMMENT: 2018-12-06: Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. *** (OPEN) 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. COMMENT: 2018-12-06: Loan Estimate not provided within loan images to evidence delivery to the Borrower. *** (OPEN) 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. COMMENT: 2018-12-06: There is no evidence that the creditor provided the consumer with the right to receive a copy of the Appraisal Disclosure. *** (OPEN) 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) COMMENT: 2018-12-06: The CD indicates property taxes in the amount of $50 / month while the DU reflects $223.85 / month. Used more conservative higher amount. *** (OPEN) 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) COMMENT: 2018-12-06: The CD indicates property taxes in the amount of $50 / month while the DU reflects $223.85 / month. Used more conservative higher amount. *** (OPEN) 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) COMMENT: 2018-12-06: The CD indicates property taxes in the amount of $50 / month while the DU reflects $223.85 / month. Used more conservative higher amount. *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. COMMENT: 2018-12-06: There is no evidence that the creditor provided the consumer with the Your Home Loan Toolkit Disclosure *** (OPEN) 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) COMMENT: 2018-12-06: There is no evidence that the creditor provided the consumer with the Closing Disclosure at least three (3) business days prior to closing. *** (OPEN) TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. COMMENT: 2018-12-06: There is no evidence that the creditor provided the consumer with the Servicing Disclosure. *** (CLEARED) 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 COMMENT: 2018-12-21: Due to incomplete appraisal, Construction Status is blank. *** (CLEARED) 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. (Landrau Baez,Axel Target/Wages) COMMENT: 2018-12-28: Missing VOE's to verify current Wages/W-2 employment status using reasonably reliable third-party records. *** (CLEARED) 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. (Landrau Baez,Axel O'Reilly/Wages) COMMENT: 2018-12-21: Missing VOE's to verify current Wages/W-2 employment status using reasonably reliable third-party records. *** (CLEARED) 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, COMMENT: 2018-12-28: Because loan does not currently meet the AUS requirements, it is subject to ATR review which cannot be completed due to missing information. *** (CLEARED) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-12-28: Subject loan is not eligible to be insured or guaranteed by FHA due to missing asset and income documentation. *** (CLEARED) NonQM ATR: Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. COMMENT: 2018-12-28: Missing borrower's retirement account statement and VOEs to confirm 2 years employment *** (CLEARED) 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. COMMENT: 2018-12-28: Total Debt to Income Ratio exceeds 43% at 43.15%. *** (CLEARED) 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) COMMENT: 2018-12-21: Missing VOE's to confirm Employment Dates to verify two years current employment. *** (CLEARED) 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. COMMENT: 2018-12-28: There is no evidence that the creditor provided the consumer with the right to receive a copy of the Appraisal Disclosure. C B Yes No   FL 7/XX/2017 Purchase Primary XXX $XXX $203,049.57
25667068 3 3 *** (OPEN) AUS Findings: All conditions were not met - EV3 *** (OPEN) AUS Findings: Property type discrepancy. - EV3 *** (WAIVED) Title Error: Title vesting does not concur with deed - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (OPEN) AUS Findings: All conditions were not met COMMENT: 2018-11-13: The property is a modular home and not single family detached as entered on the AUS. *** (WAIVED) Title Error: Title vesting does not concur with deed COMMENT: 2018-11-30: The Mortgage has A Single Man and A Single Women. The deed has Joint Tenants with Right of Survivorship. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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) - EV2 *** (CURED) 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) - EV2 *** (CURED) 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) - EV2 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (OPEN) 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. COMMENT: 2018-11-13: The designated status of Temporary SHQM is different than the designation of Safe Harbor QM determined by the review. *** (OPEN) 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) COMMENT: 2018-11-13: 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. *** (CURED) 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) COMMENT: 2018-11-30: 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. *** (CURED) 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) COMMENT: 2018-11-30: The loan file did not contain a cure in the amount of $20 for exceeding the tolerance of the Closing Protection letter. *** (CLEARED) 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) COMMENT: 2018-11-28: 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. C B Yes No   SC 9/XX/2018 Purchase Primary XXX $XXX $102,600.00
25487382 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1   3 *** (OPEN) 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. - EV3 *** (OPEN) 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) - EV2 *** (OPEN) 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. COMMENT: 2018-11-21: 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). *** (OPEN) 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) COMMENT: 2018-11-20: The Appraisal Report date is 7/XX/2018. The lender correspondence in the file reflects a delivery date of 6/XX/2018. C B Yes No   WI 7/XX/2018 Purchase Primary XXX $XXX $227,060.58
25472247 3 2 *** (OPEN) 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 - EV2 *** (CLEARED) AUS Findings: All conditions were not met - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) AUS Findings: All conditions were not met COMMENT: 2018-11-19: Evidence of the XXX debt with a balance of $278.00 being paid prior to closing was not provided in the file. *** (CLEARED) 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. COMMENT: 2018-11-19: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-11-19: The Pay History form provided in the file is blank except the borrower's last name and account number. 3 *** (OPEN) Alimony Child Support Maintenance Income: Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance income verification requirement not met. (XXX (employer unknown)/Child Support) - EV3 *** (OPEN) 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. - EV3 *** (OPEN) Alimony Child Support Maintenance Income: Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance income verification requirement not met. (XXX (employer unknown)/Child Support) COMMENT: 2018-10-29: 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. *** (OPEN) 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. COMMENT: 2018-10-29: 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. C C Yes No   NV 6/XX/2018 Purchase Primary XXX $XXX $184,415.85
25504821 3 3 *** (OPEN) Lead Based Paint Attachment - Attached to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) - EV3 *** (OPEN) Lead Based Paint Attachment - Attached to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) COMMENT: 2019-03-15: House built 1956 - missing FHA - Lead Based Paint 2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) (Doc Error) TIL Error: TIL did not reflect the required verbiage - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. COMMENT: 2019-03-15: Page 2 of the TIL is missing *** (OPEN) 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. COMMENT: 2019-03-15: Missing pages *** (OPEN) 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) COMMENT: 2019-03-15: Appraisal was provided on 6/2/15, and the appraisal signature date is 6/12/15. *** (OPEN) 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. COMMENT: 2019-03-15: FACTADisclosureProvidedDate(2015-XX-19) >= NoteDate(2015-XX-19) *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. COMMENT: 2019-03-15: Missing B B Yes Yes Final HUD1 OH 6/XX/2015 Purchase Primary XXX $XXX  
25802392 3 3 *** (OPEN) 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 - EV3 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) 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 2018-11-27: Only one monthly statement for each account was provided in the loan file. Two months were required by the AUS. *** (CLEARED) 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. COMMENT: 2018-12-10: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) 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. - EV3 *** (OPEN) 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) - EV2 *** (CLEARED) 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) - EV1 *** (CURED) 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) - EV1 *** (CURED) 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) - EV1 *** (CURED) 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) - EV1 *** (CURED) 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) - EV1 *** (OPEN) 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. COMMENT: 2018-11-27: DU reflects the loan met eligibility requirements. Compliance was ran using the presumed designation of Temporary HPQM (GSE/Agency Eligible). *** (CLEARED) 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) COMMENT: 2018-12-06: 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. C B Yes No   IL 11/XX/2017 Refinance Primary XXX $XXX $90,292.96
25255131 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (OPEN) 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 - EV2 *** (CLEARED) FHA - Amendatory Clause was provided at or after closing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV1 *** (OPEN) 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 COMMENT: 2018-12-21: Per supplemental credit report, borrower is an authorized user and not responsible for the account. *** (CLEARED) 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. COMMENT: 2019-01-04: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) 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). - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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). COMMENT: 2018-12-20: Fails QM Testing *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-12-20: Subject loan is not eligible to be insured or guaranteed by FHA. C C Yes No   FL 10/XX/2017 Purchase Primary XXX $XXX $208,281.66
25492233 3 3 *** (OPEN) Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.: Borrower: Edgar Medina Cuevas - EV3 *** (OPEN) 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) - EV3 *** (OPEN) FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV3 *** (OPEN) 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) - EV3 *** (OPEN) Final HUD Addendum 92900-A is missing.: Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) - EV3 *** (OPEN) The Flood Insurance Policy effective date is after the Note Date. - EV3 *** (OPEN) The Hazard Insurance Policy effective date is after the Transaction Date. - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (OPEN) Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.: Borrower: XXX, Note date is 6/XX and disbursement date is 6/XX/2018 3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2019-03-19: 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. *** (OPEN) 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) COMMENT: 2019-03-19: Final closing disclosure shows disbursement date of 6/28 and the Note date is 6/23. *** (OPEN) 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) COMMENT: 2019-03-19: Final closing disclosure showed blank for costs exceeding the legal limit. The fees exceeding the legal limit are seller fees. *** (OPEN) 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) COMMENT: 2019-03-19: The increase is due to seller's portion of settlement fee not being disclosed. *** (OPEN) 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) COMMENT: 2019-03-18: This was a seller fee. C C Yes No   WA 6/XX/2018 Purchase Primary XXX $XXX  
25887622 1 1     1 *** (CLEARED) Other Compliance Exception (Manual Add) - EV1 *** (CURED) 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) - EV1 *** (CLEARED) Other Compliance Exception (Manual Add) COMMENT: 2018-10-25: The borrower received the initial CD on 11/XX/2015, which was not at least 3 business days prior to closing. *** (CURED) 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) COMMENT: 2018-10-15: 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. A A No No   MD 11/XX/2015 Refinance Investment XXX $XXX $50,225.43
25220671 3 2 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (CLEARED) 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) - EV1 *** (CLEARED) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV1 *** (CLEARED) FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV1 *** (CLEARED) 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) COMMENT: 2018-10-25: The Final 92900-A provided was not signed by the Lender. *** (CLEARED) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) COMMENT: 2018-10-25: The Real Estate Certification provided is not signed by the borrower. *** (CLEARED) FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) COMMENT: 2018-10-25: The Real Estate Certification was signed by the seller and Agents on 7/XX/2016 and does not have the borrower's signature. 3 *** (OPEN) 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. - EV3 *** (OPEN) Georgia Home Loan (Fee Charged for Payoff Statement): Georgia Home Loan: Impermissible fee charged for payoff statement. - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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) - EV2 *** (OPEN) TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. - EV2 *** (OPEN) 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. COMMENT: 2018-10-15: 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. *** (OPEN) Georgia Home Loan (Fee Charged for Payoff Statement): Georgia Home Loan: Impermissible fee charged for payoff statement. COMMENT: 2018-10-15: The seller was charged a $25.00 Payoff Handling Fee at closing. *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-10-15: The term was changed from 15 years to 30 years at closing with out be disclosed to the borrower. *** (OPEN) 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) COMMENT: 2018-10-15: Compliance was ran with the Loan Estimate dated 6/XX/2016. The Loan Estimate dated 6/XX/2016 was not provided in the file. *** (OPEN) TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. COMMENT: 2018-10-15: Neither the initial Loan Estimate dated 6/XX/2016 or a separate RESPA Servicing Disclosure were provided in the file. C C Yes No   GA 7/XX/2016 Purchase Primary XXX $XXX $207,391.43
25889725 3 3 *** (OPEN) AUS Findings: Combined loan to value discrepancy. - EV3 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (OPEN) AUS Findings: Combined loan to value discrepancy. COMMENT: 2019-01-03: 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. *** (CLEARED) 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. COMMENT: 2019-01-15: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 1 *** (CURED) 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) - EV1 *** (CURED) 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) COMMENT: 2019-01-03: 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. A A Yes No   NV 7/XX/2018 Purchase Primary XXX $XXX $176,770.91
25055497 3 3 *** (OPEN) Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents) - EV3 *** (CLEARED) Insufficient Coverage: Flood insurance coverage amount is insufficient. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Approval not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) VA - IRRRL Comparison is not compliant.: Disclosure: VA - IRRRL Comparison (Government Documents) - EV1 *** (CLEARED) VA IRRRL Worksheet VA 26-8923 is missing.: Disclosure: VA - IRRRL Worksheet VA 26-8923 (Government Documents) - EV1 *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-08-21: Pay history missing from 07/XX/2018 to 08/XX/2018 *** (CLEARED) VA - IRRRL Comparison is not compliant.: Disclosure: VA - IRRRL Comparison (Government Documents) COMMENT: 2018-08-23: Not signed 3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) Subject loan is not eligible to be insured or guaranteed by VA. - EV3 *** (OPEN) 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. - EV2 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (OPEN) 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. COMMENT: 2018-08-03: Loan designation is Non-QM *** (OPEN) 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. COMMENT: 2018-08-06: 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. *** (OPEN) VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) Subject loan is not eligible to be insured or guaranteed by VA. COMMENT: 2018-08-03: Subject loan is not eligible to be insured or guaranteed by VA. *** (OPEN) 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. COMMENT: 2018-08-03: There is no evidence the Creditor retained a record of borrower's receipt of Notice of Special Flood Hazard Disclosure. *** (CLEARED) 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) COMMENT: 2018-08-23: 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. *** (CLEARED) 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) COMMENT: 2018-08-23: 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. *** (CLEARED) 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) COMMENT: 2018-08-23: 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. *** (CLEARED) 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) COMMENT: 2018-08-23: 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. C C Yes No   TX 5/XX/2018 Refinance Primary XXX $XXX $141,623.01
25349161 3 3 *** (OPEN) 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) - EV3 *** (OPEN) Hazard Insurance Policy expires within 90 days of the Note Date. - EV2 *** (OPEN) The file is missing evidence of the Total Monthly Income taxes used by lender to calculate the VA Residual Income. - EV2 *** (CLEARED) AUS Findings: All conditions were not met - EV1 *** (CLEARED) Certificate of Eligibility is missing.: Disclosure: VA - Certificate of Eligibility (Government Documents) - EV1 *** (CLEARED) Income Docs Missing:: Borrower: XXX, Borrower: XXX, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid. - EV1 *** (CLEARED) Missing Document: General Services Administration (GSA) not provided - EV1 *** (CLEARED) Missing Document: Limited Denials of Participation (LDP) not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) VA Loan Analysis Worksheet Form 26-6393 is missing.: Disclosure: VA - Loan Analysis Worksheet Form 26-6393 (Government Documents) - EV1 *** (CLEARED) VA Loan Disbursement Form 26- 1820 is missing.: Disclosure: VA - Loan Disbursement Form 26- 1820 (Government Documents) - EV1 *** (CLEARED) VA Notice of Reasonable Value/CRV Form 26-1843 is missing.: Disclosure: VA - Notice of Value (Government Documents) - EV1 *** (OPEN) 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) COMMENT: 2018-12-07: The Lender signed on 5/XX/2018 and the loan closed on 4/XX/2018. *** (CLEARED) AUS Findings: All conditions were not met COMMENT: 2018-12-28: AUS required a verification of employment for both borrower's which was not located in the loan file. *** (CLEARED) Income Docs Missing:: Borrower: XXX, Borrower: XXX, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid. COMMENT: 2019-01-02: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-21: Pay history missing from 07/XX/2018 to 12/XX/2018 3 *** (OPEN) 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. - EV3 *** (OPEN) VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) Subject loan is not eligible to be insured or guaranteed by VA. - EV3 *** (OPEN) 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. - EV2 *** (CLEARED) Missing Document: Missing Lender's Initial 1003 - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) - EV1 *** (OPEN) 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. COMMENT: 2018-12-07: 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. *** (OPEN) VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) Subject loan is not eligible to be insured or guaranteed by VA. COMMENT: 2018-12-28: Ineligible due to unspecified underwriting issue which was disclosed as the defect by the client. *** (CLEARED) 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) COMMENT: 2018-12-21: The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded. *** (CLEARED) 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) COMMENT: 2018-12-21: The loan file did not contain a cure in the amount of $140.59 for exceeding the tolerance for the Transfer taxes. C C Yes No   FL 4/XX/2018 Refinance Primary XXX $XXX $247,798.48
25881087 3 3 *** (OPEN) The Borrower has mortgage late payment(s) within the prior 12 months. - EV3 *** (CLEARED) Missing Document: Divorce Decree / Child Support not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) Patriot Act Disclosure is missing: Disclosure: Patriot Act Disclosure - EV1 *** (OPEN) The Borrower has mortgage late payment(s) within the prior 12 months. COMMENT: 2018-12-21: The borrower was 30 days delinquent for the months of 02/2017 and 12/2017. *** (CLEARED) Missing Document: Divorce Decree / Child Support not provided COMMENT: 2018-12-21: 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. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-21: Pay history missing from 01/XX/2017 to 12/XX/2018. 2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. - EV2 *** (OPEN) 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) COMMENT: 2018-12-07: The closing disclosure dated 12/XX/2018 did not disclosure the number of months collected for property taxes. *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. COMMENT: 2018-12-07: The loan file was missing evidence of the delivery date for the Hone Loan Toolkit Disclosure. B B Yes No   MA 12/XX/2015 Purchase Primary XXX $XXX $290,617.65
25786095 3 3 *** (OPEN) FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV3 *** (OPEN) FHA MIP Error: Missing evidence of case number assignment date. - EV3 *** (OPEN) Important Notice to Homebuyer (92900-B) is missing.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) - EV3 *** (OPEN) Initial HUD Addendum 92900-A is missing.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) - EV3 *** (OPEN) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV2 *** (CLEARED) 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) - EV1 *** (CLEARED) FHA Informed Choice Disclosure is missing.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) - EV1 *** (CLEARED) FHA Loan Transmittal (92900-LT) is missing.: Disclosure: FHA - Loan Transmittal (92900-LT) (Government Documents) - EV1 *** (CLEARED) Final HUD Addendum 92900-A is missing.: Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1 *** (CLEARED) Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. - EV1 *** (OPEN) FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents) COMMENT: 2018-12-20: 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 *** (OPEN) FHA MIP Error: Missing evidence of case number assignment date. COMMENT: 2018-12-07: Missing FHA MIP Case Number Assignment *** (CLEARED) 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. COMMENT: 2019-01-02: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. *** (CLEARED) Missing Document: Pay History not provided COMMENT: 2018-12-21: Missing pay history from 09/XX/2017 to 12/XX/2018 3 *** (OPEN) 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). - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (CURED) 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) - EV1 *** (OPEN) 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). COMMENT: 2018-12-07: Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-12-07: Appraisal re-cert was completed after original appraisal expiration date. *** (OPEN) 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) COMMENT: 2018-12-07: A Lender Credit for the appraisal increase was noted in section H of the CD. *** (OPEN) 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) COMMENT: 2018-12-07: 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. *** (CURED) 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) COMMENT: 2018-12-07: Verification Fee Amount of $35.95 exceeded tolerance and an excess cure of $68.15 was provided to the borrower at Closing C C Yes No   OR 7/XX/2017 Refinance Primary XXX $XXX $278,320.66
25194969 3 1 *** (CLEARED) Missing Document: AUS not provided - EV1 *** (CLEARED) Missing Document: Pay History not provided - EV1   3 *** (OPEN) 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. - EV3 *** (OPEN) 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) - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Service Provider Timing: TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. - EV2 *** (OPEN) TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. - EV2 *** (OPEN) 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. COMMENT: 2018-11-15: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. *** (OPEN) 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. COMMENT: 2018-11-15: Borrower received the List of Homeownership Counseling Organizations on 10/XX/2017, 4 business days after the application date of 10/XX/2017. *** (OPEN) 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. COMMENT: 2018-11-15: 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. *** (OPEN) 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. COMMENT: 2018-11-15: Borrower received the Home Loan Toolkit Disclosure on 10/XX/2017, 4 business days after the application date of 10/XX/2017. *** (OPEN) 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) COMMENT: 2018-11-15: Borrower received the Loan Estimate on 10/XX/2017, 4 business days after the application date of 10/XX/2017. *** (OPEN) TRID Service Provider Timing: TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. COMMENT: 2018-11-15: Borrower received the list of service providers on 10/XX/2017, 4 business days after the application date of 10/XX/2017. *** (OPEN) TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. COMMENT: 2018-11-15: Borrower received the Servicing Disclosure on 10/XX/2017, 4 business days after the application date of 10/XX/2017. C C No No   AZ 11/XX/2017 Purchase Second Home XXX $XXX $229,527.45
25144849 3 3 *** (OPEN) Missing Document: General Services Administration (GSA) not provided - EV3 *** (CLEARED) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV1 *** (CLEARED) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured - EV1 *** (CLEARED) Missing Document: Limited Denials of Participation (LDP) not provided - EV1 *** (CLEARED) FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents) COMMENT: 2018-10-26: FHA - Amendatory Clause is not compliant. Document is missing the seller signature(s), real estate broker signature(s). *** (CLEARED) FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents) COMMENT: 2018-10-26: FHA - Real Estate Certification is not compliant. Document is missing the seller signature(s) and real estate broker signature(s). *** (CLEARED) 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. COMMENT: 2018-10-26: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) 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. - EV3 *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-10-16: Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. *** (OPEN) HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. COMMENT: 2018-10-16: Subject loan is not eligible to be insured or guaranteed by FHA due to the AUS "Agency Salable" does not reflect Yes. *** (OPEN) 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. COMMENT: 2018-10-16: 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. *** (OPEN) (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. COMMENT: 2018-10-16: 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. *** (OPEN) 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. COMMENT: 2018-10-26: 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%. C C Yes No   ND 7/XX/2018 Purchase Primary XXX $XXX $261,788.00
25187230 3 3 *** (OPEN) 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 - EV3 *** (OPEN) 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 2019-03-18: Months verified from 4/1/18 through 5/XX/2018; Two-Month period is required 2 *** (OPEN) 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) - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. - EV2 *** (OPEN) TRID Settlement Service Provider Status: TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) COMMENT: 2019-03-18: ValuationReceivedDate(2018-06-11) < ValuationReportDate(2018-06-15) *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. COMMENT: 2019-03-18: Missing *** (OPEN) 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. COMMENT: 2019-03-18: Missing *** (OPEN) 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) COMMENT: 2019-03-18: Financial Charge is $137,872.58 *** (OPEN) 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) COMMENT: 2019-03-18: MI monthly $110.18 for 120 months *** (OPEN) 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) COMMENT: 2019-03-18: Calculating Cash to Close section (pg 3): "Exceeds legal limit by" is less than the amount of the required cure (0%-10% violations). *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. COMMENT: 2019-03-18: missing *** (OPEN) TRID Settlement Service Provider Status: TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. COMMENT: 2019-03-18: Missing *** (OPEN) 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) COMMENT: 2019-03-18: No cure provided to the Borrower. B B Yes No   MO 6/XX/2018 Purchase Primary XXX $XXX  
25212990 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Missing Document: Hazard Insurance Policy not provided - EV3 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. COMMENT: 2019-01-11: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 2 *** (OPEN) 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) - EV2 *** (OPEN) 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) COMMENT: 2018-12-12: 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. B B Yes No   TX 8/XX/2017 Purchase Primary XXX $XXX $139,981.16
25747564 3 3 *** (OPEN) AUS Findings: All conditions were not met - EV3 *** (CLEARED) 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. - EV1 *** (OPEN) AUS Findings: All conditions were not met COMMENT: 2018-12-14: 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 3 *** (OPEN) 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. - EV3 *** (CURED) 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) - EV1 *** (OPEN) 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. COMMENT: 2018-12-14: 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. C B Yes No   SC 10/XX/2018 Purchase Primary XXX $XXX $217,481.72
25646286 3 3 *** (OPEN) Asset documentation requirements not met according to Decision System Input. - EV3 *** (OPEN) Credit Exception: - EV3 *** (OPEN) Credit Report Error: Credit report is missing FICO scores.: Credit Report: Original // Borrower: XXX, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid. - EV1 *** (CLEARED) Loan was originated as USDA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured. - EV1 *** (CLEARED) Missing Document: Approval not provided - EV1 *** (CLEARED) Missing Document: Missing Final 1003 - EV1 *** (CLEARED) Missing Document: Tax Certificate not provided - EV1 *** (CLEARED) Missing Letter of Explanation or the letter contained unacceptable reasons regarding derogatory credit. - EV1 *** (CLEARED) Missing Letter of Explanation regarding derogatory credit. - EV1 *** (CLEARED) Patriot Act Disclosure is missing: Disclosure: Patriot Act Disclosure - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) USDA Coverage % is missing. - EV1 *** (CLEARED) USDA ineligible; FICO < 640 - Missing evidence of compensating factors. - EV1 *** (OPEN) Asset documentation requirements not met according to Decision System Input. COMMENT: 2018-12-05: USDA did not purchase the loan as the gift donor was not a relative of the borrower and was not an acceptable donor. *** (OPEN) Credit Exception: COMMENT: 2018-11-13: 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. *** (CLEARED) Credit usage ratio exceeds 125% and is beyond guideline tolerance.: Credit Report: Original COMMENT: 2018-11-30: Credit Usage over 100% not noted in AUS refer and missing approval. *** (CLEARED) 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. COMMENT: 2018-11-23: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) 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. - EV3 *** (OPEN) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (Caleb/Chandler/2514289) - EV3 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. - EV2 *** (CLEARED) Missing Document: Note - Subject Lien not provided - EV1 *** (OPEN) 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. COMMENT: 2018-11-13: The provided loan designation does not match the determination from the review of non-QM. *** (OPEN) QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/XXX/2514289) COMMENT: 2018-11-13: Two year employment verification not satisfied for the co-borrower as required by Appendix Q. *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. COMMENT: 2018-11-13: The loan file did not contain a copy of the Home Loan Toolkit Disclosure. C C Yes No   MO 6/XX/2018 Purchase Primary XXX $XXX $50,250.78
25589866 3 3 *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) The Hazard Insurance Policy effective date is after the Transaction Date. - EV3 *** (CLEARED) Incomplete Document: Pay History is incomplete - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Approval not provided - EV1 *** (CLEARED) 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) - EV1 *** (CLEARED) Incomplete Document: Pay History is incomplete COMMENT: 2019-01-04: 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. *** (CLEARED) 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. COMMENT: 2019-01-04: Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured. 3 *** (OPEN) 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. - EV3 *** (OPEN) VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) Subject loan is not eligible to be insured or guaranteed by VA. - EV3 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TRID Esign Consent Agreement Status: ESIGN Act Loan file does not contain evidence of borrower's consent to receive electronic disclosures. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. - EV2 *** (OPEN) TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. - EV2 *** (OPEN) 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. COMMENT: 2018-11-02: Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. *** (OPEN) VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) Subject loan is not eligible to be insured or guaranteed by VA. COMMENT: 2018-11-02: Subject loan is not eligible to be insured or guaranteed by VA. *** (OPEN) (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. COMMENT: 2018-11-02: 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. *** (OPEN) 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. COMMENT: 2018-11-02: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). *** (OPEN) 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. COMMENT: 2018-11-02: The loan file does not contain the initial appraisal disclosure or the initial Loan Estimate. *** (OPEN) TRID Esign Consent Agreement Status: ESIGN Act Loan file does not contain evidence of borrower's consent to receive electronic disclosures. COMMENT: 2018-11-02: Loan file does not contain evidence of borrower's consent to receive electronic disclosures. *** (OPEN) 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) COMMENT: 2018-11-02: Final Closing Disclosure provided on 05/XX/2016 disclosed a Closing Date that did not match the actual date of consummation. *** (OPEN) 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) COMMENT: 2018-11-02: Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. *** (OPEN) 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) COMMENT: 2018-11-02: Amount of Non-Escrowed Property Costs over Year 1 of $3,872.00 on Final Closing Disclosure provided on 05/XX/2016 not accurate. *** (OPEN) TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. COMMENT: 2018-11-02: Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. *** (OPEN) TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. COMMENT: 2018-11-02: File does not evidence the consumer was provided with the Servicing Disclosure. C C Yes No   HI 5/XX/2016 Purchase Primary XXX $XXX $132,892.22
25081149 3   *** (OPEN) FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. - EV3 *** (OPEN) Flood Certificate Error: Certificate Number was not provided. - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing OK 9/XX/1999 Refinance Primary XXX $XXX  
25879689 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2017-06-27: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 VA 6/XX/2006 Refinance Primary XXX $XXX  
25300064 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   D D Yes No Missing KY 8/XX/2007 Refinance Primary XXX $XXX  
25873902 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) Initial GFE not provided COMMENT: 2017-10-02: GFE in file not dated. D D Yes Yes HUD1, not signed or stamped IL 10/XX/2005 Refinance Primary XXX $XXX  
25709067 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 2/XX/2007 Refinance Primary XXX $XXX  
25451758 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing PA 5/XX/2002 Refinance Primary XXX $XXX  
25869374 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 UT 1/XX/2007 Refinance Primary XXX $XXX  
25613944 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 7/XX/2006 Refinance Primary XXX $XXX  
25637042 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (CLEARED) Missing Document: Appraisal not provided - EV1   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV1 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1 *** (OPEN) 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. COMMENT: 2018-09-24: 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 B B Yes Yes Final HUD1 OH 4/XX/2003 Refinance Primary XXX $XXX  
25488254 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 11/XX/2005 Refinance Primary XXX $XXX  
25861398 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 4/XX/2007 Refinance Primary XXX $XXX  
25667505 3       3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 TX 3/XX/2007 Refinance Primary XXX $XXX  
25262274 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 AL 10/XX/2008 Refinance Primary XXX $XXX  
25302669 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 NJ 12/XX/2006 Purchase Primary XXX $XXX  
25573022 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 DC 12/XX/2008 Purchase Primary XXX $XXX  
25675732 2   *** (OPEN) Amendatory Clause is missing.: Disclosure: FHA - Amendatory Clause (Government Documents) - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents) - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B Yes Yes Final HUD1 IL 12/XX/2007 Purchase Primary XXX $XXX  
25279764 1   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   1     A A Yes Yes Final HUD1 PA 1/XX/2009 Refinance Primary XXX $XXX  
25387361 2   *** (OPEN) Missing Document: FHA Case Number Assignment not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AR 7/XX/2007 Purchase Primary XXX $XXX  
25206693 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 8/XX/2007 Purchase Investment XXX $XXX  
25939950 2       2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 NC 9/XX/2009 Purchase Primary XXX $XXX  
25483348 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3   2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. - EV2 *** (OPEN) 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. COMMENT: 2018-07-11: Unable to determine the under disclosure missing the itemization of fnanced B B No Yes Final HUD1 OH 12/XX/2009 Purchase Primary XXX $XXX  
25529901 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-12: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 NY 3/XX/2005 Refinance Primary XXX $XXX  
25082426 1       1     A A Yes Yes Final HUD1 DE 6/XX/2008 Refinance Primary XXX $XXX  
25685831 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TX 11/XX/2007 Purchase Primary XXX $XXX  
25976740 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 PA 7/XX/2005 Refinance Primary XXX $XXX  
25199610 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 7/XX/2005 Purchase Primary XXX $XXX  
25887931 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 FL 2/XX/2008 Refinance Primary XXX $XXX  
25204878 1       1     A A Yes Yes Final HUD1 IN 5/XX/2003 Refinance Primary XXX $XXX  
25150254 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 8/XX/2006 Refinance Primary XXX $XXX  
25684336 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 10/XX/2007 Refinance Primary XXX $XXX  
25642911 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2   B B Yes Yes Final HUD1 IN 7/XX/2005 Purchase Primary XXX $XXX  
25760954 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NJ 6/XX/2005 Purchase Primary XXX $XXX  
25350133 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 10/XX/2004 Refinance Primary XXX $XXX  
25892964 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Note Error: Note grace period days less than minimum per state - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Note Error: Note grace period days less than minimum per state COMMENT: 2018-10-11: 5 day grace period reflected on subject Loan Agreement does not meet minimum 10 day required for state of TN. B B Yes Yes Final HUD1 TN 2/XX/2006 Refinance Primary XXX $XXX  
25309564 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 2/XX/2005 Refinance Primary XXX $XXX  
25422457 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 4/XX/2006 Refinance Primary XXX $XXX  
25421937 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IN 3/XX/2001 Refinance Primary XXX $XXX  
25291082 2   *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Final TIL not signed by all required parties - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MN 7/XX/2004 Refinance Primary XXX $XXX  
25668755 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 1/XX/2008 Refinance Primary XXX $XXX  
25414172 2       2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 OH 10/XX/2004 Refinance Primary XXX $XXX  
25185602 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. - EV2 *** (OPEN) Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. COMMENT: 2018-10-11: 10 day grace period less than 15 day minimum per state (PA) B B Yes Yes Final HUD1 PA 12/XX/2005 Refinance Primary XXX $XXX  
25744296 2   *** (OPEN) Privacy Notice is missing: Disclosure: Privacy Notice - EV3   2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2   B B No Yes Final HUD1 NV 8/XX/2005 Purchase Primary XXX $XXX  
25868081 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. - EV2   B B No Yes Final HUD1 FL 4/XX/2005 Purchase Second Home XXX $XXX  
25269819 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 COMMENT: 2017-08-08: Client approved use of alternative application document for initial application date. B B Yes Yes Final HUD1 WA 12/XX/2006 Refinance Primary XXX $XXX  
25926313 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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.) - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (CLEARED) (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. - EV1 *** (OPEN) Missing Document: Missing Lender's Initial 1003 COMMENT: 2017-07-28: Client approved use of alternative application document for initial application date. C C Yes Yes Final HUD1 TX 11/XX/2006 Refinance Primary XXX $XXX  
25206411 1       1     A A No Yes Final HUD1 VA 10/XX/2007 Refinance Investment XXX $XXX  
25215368 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Missing Valuation: COMMENT: 2018-11-29: Appraisal not provided. 3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing AZ 9/XX/2005 UTD Primary XXX $XXX  
25680713 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CA 4/XX/2005 Refinance Primary XXX $XXX  
25001545 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 10/XX/2007 Refinance Primary XXX $XXX  
25248194 2   *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2 *** (OPEN) Missing Valuation: COMMENT: 2018-11-30: Appraisal not provided. 2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) 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. - EV1   B B Yes Yes Final HUD1 NJ 9/XX/2005 Refinance Primary XXX $XXX  
25843260 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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 - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Rescission Period): Texas Constitution Section 50(a)(6): Notice of Right to Rescind Not Provided - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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 - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   C C Yes Yes Final HUD1 TX 11/XX/2005 Refinance Primary XXX $XXX  
25515656 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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 - EV3 *** (OPEN) (TX50(a)(6)) Texas Cash-out Loan (Rescission Period): Texas Constitution Section 50(a)(6): Notice of Right to Rescind Not Provided - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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.) - EV2 *** (OPEN) (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 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   C C Yes Yes Final HUD1 TX 8/XX/2006 Refinance Primary XXX $XXX  
25526428 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Final Title Policy is missing. No evidence of title in file. COMMENT: 2019-10-01: File does not contain either Preliminary or Final Title. 3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2 *** (OPEN) 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. - EV2   C C Yes Yes Final HUD1 TX 7/XX/2007 Refinance Primary XXX $XXX  
25111758 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (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. COMMENT: 2019-10-01: File is missing a verbal verification of employment. *** (OPEN) 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. COMMENT: 2019-10-01: 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. B B Yes Yes Final HUD1 IL 4/XX/2010 Refinance Primary XXX $XXX  
25924694 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IN 10/XX/2003 Refinance Primary XXX $XXX  
25113643 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IN 11/XX/2004 Refinance Primary XXX $XXX  
25175057 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Indiana Prepayment Penalty Second Lien: Indiana Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2% of the amount prepaid. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Tax Advisor Statement Missing: Truth in Lending Act (HELOC): Creditor did not provide statement that the consumer should consult a tax advisor. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Indiana Prepayment Penalty Second Lien: Indiana Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2% of the amount prepaid. COMMENT: 2019-06-12: The prepayment penalty of $300 exceeds the max permitted of 2% allowed by the state. (IN) B B No Yes Final HUD1 IN 4/XX/2005 Refinance Primary XXX $XXX  
25982216 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IN 10/XX/2006 Refinance Primary XXX $XXX  
25850760 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No No HELOC Agreement IN 9/XX/2003 Refinance Primary XXX $XXX  
25635919 3 1     3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan is subject to DF/TRID and does not contain income/credit/valuation/etc. documentation. D D   No           XXX $XXX  
25372808 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B No No HELOC Agreement IN 7/XX/2005 Refinance Primary XXX $XXX  
25732922 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement WI 10/XX/2007 Refinance Primary XXX $XXX  
25168579 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 8/XX/2003 Refinance Primary XXX $XXX  
25469599 3       3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file does not contain any origination documentation. D D   No Missing     UTD UTD XXX $XXX  
25948299 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2019-06-17: 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. B B No No HELOC Agreement WI 8/XX/1996 Refinance Primary XXX $XXX  
25471745 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 6/XX/1999 Refinance Primary XXX $XXX  
25452442 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 6/XX/2004 Refinance Primary XXX $XXX  
25277690 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 2/XX/2003 Refinance Primary XXX $XXX  
25567548 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2   B B Yes No Final HUD1 WI 4/XX/2009 Refinance Primary XXX $XXX  
25460835 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2   B B Yes Yes Final HUD1 WI 5/XX/2006 Refinance Primary XXX $XXX  
25002660 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2019-06-17: 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. D D No No Missing WI 1/XX/2003 Refinance Primary XXX $XXX  
25627058 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 6/XX/2003 Refinance Primary XXX $XXX  
25765058 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2019-06-17: 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. B B No No HELOC Agreement WI 8/XX/2003 Refinance Second Home XXX $XXX  
25502620 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 2/XX/2007 Refinance Primary XXX $XXX  
25179857 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2019-06-17: 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. B B No No HELOC Agreement WI 1/XX/2004 Refinance Primary XXX $XXX  
25174345 2   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 4/XX/2004 Refinance Primary XXX $XXX  
25212134 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WI 3/XX/2008 Refinance Primary XXX $XXX  
25580998 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2019-06-17: 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. B B No No HELOC Agreement WI 3/XX/2008 Refinance Primary XXX $XXX  
25037753 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) Minnesota Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MN 7/XX/2002 Refinance Primary XXX $XXX  
25280819 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. COMMENT: 2019-06-13: Unable to determine reason for under disclosure due to missing Final TIL itemization. *** (OPEN) 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. COMMENT: 2019-06-13: Unable to determine reason for under disclosure due to missing Final TIL itemization. B B No Yes Final HUD1 FL 12/XX/1994 Refinance Primary XXX $XXX  
25199167 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MN 11/XX/2001 Refinance Primary XXX $XXX  
25681827 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missouri Prepayment Penalty: Missouri Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2% of the prepaid balance. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Missouri Prepayment Penalty: Missouri Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2% of the prepaid balance. COMMENT: 2019-06-13: PPP Expired. Prepayment charge not allowed per state MO- - note states 3%, 2%, 1%. Lender is XXX. B B Yes Yes Final HUD1 MO 12/XX/2002 Refinance Primary XXX $XXX  
25733930 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 7/XX/2003 Refinance Primary XXX $XXX  
25957374 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 6/XX/2003 Refinance Primary XXX $XXX  
25005740 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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 - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Miscellaneous Compliance: Non-Material Compliance Exception: COMMENT: 2019-06-17: 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. B B No Yes Final HUD1 OH 8/XX/2003 Refinance Primary XXX $XXX  
25925114 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 9/XX/2003 Refinance Primary XXX $XXX  
25950155 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 2/XX/2001 Refinance Primary XXX $XXX  
25538301 3   *** (OPEN) Missing Document: Security Instrument not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) (Missing Doc) Incomplete loan images/file - EV3 *** (OPEN) Missing Document: Note - Subject Lien not provided - EV3 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) (Missing Doc) Incomplete loan images/file COMMENT: 2019-09-19: Loan file only contains the security instrument and title. D D   No Missing VA   Refinance Primary XXX $XXX  
25741749 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 2/XX/2004 Refinance Primary XXX $XXX  
25152079 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B No No HELOC Agreement IL 9/XX/2002 Refinance Primary XXX $XXX  
25398435 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 3/XX/2004 Refinance Primary XXX $XXX  
25561656 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 4/XX/2004 Refinance Primary XXX $XXX  
25031265 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 5/XX/2004 Refinance Primary XXX $XXX  
25372168 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. COMMENT: 2019-06-13: Signature date was not found. D D No No Missing IL 8/XX/2004 Refinance Primary XXX $XXX  
25652303 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement IL 8/XX/2004 Refinance Primary XXX $XXX  
25284413 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 10/XX/2004 Refinance Primary XXX $XXX  
25531681 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes HELOC Agreement GA 12/XX/2004 Refinance Primary XXX $XXX  
25741937 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 12/XX/2004 Refinance Primary XXX $XXX  
25691203 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 3/XX/2005 Refinance Primary XXX $XXX  
25281424 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2   D D No No Missing IL 3/XX/2005 Refinance Primary XXX $XXX  
25226370 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing IL 7/XX/2005 Refinance Primary XXX $XXX  
25174627 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing IL 8/XX/2005 Refinance Primary XXX $XXX  
25975119 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing IL 9/XX/2005 Refinance Primary XXX $XXX  
25364887 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No No HELOC Agreement IL 4/XX/2006 Refinance Primary XXX $XXX  
25468510 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 6/XX/2006 Refinance Primary XXX $XXX  
25090511 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B No No HELOC Agreement IL 6/XX/2006 Refinance Primary XXX $XXX  
25030186 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes No HELOC Agreement IL 9/XX/2006 Refinance Primary XXX $XXX  
25770396 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IL 9/XX/2006 Refinance Primary XXX $XXX  
25958301 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes HELOC Agreement IL 3/XX/2007 Refinance Primary XXX $XXX  
25988872 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No No HELOC Agreement IL 4/XX/2007 Refinance Primary XXX $XXX  
25082612 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes No Itemization referenced in Agreement IL 5/XX/2007 Refinance Primary XXX $XXX  
25182595 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2   D D No No Missing IL 6/XX/2007 Refinance Primary XXX $XXX  
25667853 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement FL 7/XX/2007 Refinance Primary XXX $XXX  
25719933 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. COMMENT: 2019-06-14: Missing signature date. B B Yes No HELOC Agreement IL 7/XX/2007 Refinance Primary XXX $XXX  
25751572 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement IN 9/XX/2007 Refinance Primary XXX $XXX  
25076855 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing IL 10/XX/2007 Refinance Primary XXX $XXX  
25600036 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement IL 12/XX/2007 Refinance Primary XXX $XXX  
25689551 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement IL 1/XX/2008 Refinance Primary XXX $XXX  
25129767 3   *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing IL 2/XX/2008 Refinance Primary XXX $XXX  
25903525 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Illinois Prepayment Penalty: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes HELOC Agreement IL 2/XX/2008 Refinance Primary XXX $XXX  
25388021 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IN 3/XX/2008 Refinance Primary XXX $XXX  
25179466 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 3/XX/2008 Refinance Primary XXX $XXX  
25248197 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2   B B Yes No HELOC Agreement IL 5/XX/2008 Refinance Primary XXX $XXX  
25433292 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement IL 5/XX/2008 Refinance Primary XXX $XXX  
25311526 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 5/XX/2008 Refinance Primary XXX $XXX  
25484795 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IN 10/XX/2008 Refinance Primary XXX $XXX  
25187179 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (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. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Wisconsin Late Charge Grace Period Testing > $25,000: Note grace period less than minimum per state. - EV2   B B Yes Yes Final HUD1 WI 7/XX/2013 Refinance Primary XXX $XXX  
25482438 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes HELOC Agreement IL 4/XX/2003 Refinance Primary XXX $XXX  
25887644 1       1     A A No Yes Final HUD1 AZ 11/XX/2001 Purchase Primary XXX $XXX  
25947890 1       1     A A No Yes Final HUD1 AZ 8/XX/2002 Purchase Primary XXX $XXX  
25585899 2       2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2   B B No Yes Final HUD1 FL 4/XX/2003 Purchase Primary XXX $XXX  
25573733 1       1     A A Yes Yes Final HUD1 IL 10/XX/2004 Purchase Primary XXX $XXX  
25587631 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Doc Error) TIL Error: Borrower signature not dated. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 AZ 9/XX/2005 Refinance Primary XXX $XXX  
25253032 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 2/XX/2006 Purchase Primary XXX $XXX  
25982909 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2   B B No Yes Final HUD1 FL 5/XX/2006 Purchase Primary XXX $XXX  
25198745 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 AZ 1/XX/2007 Purchase Primary XXX $XXX  
25294637 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-14: Unable to determine reason for under disclosure due to missing Final TIL itemization. B B No Yes Final HUD1 FL 3/XX/2007 Purchase Primary XXX $XXX  
25114344 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 AZ 6/XX/2007 Purchase Primary XXX $XXX  
25033937 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-14: Itemization not provided. Unable to verify reason for under disclosure due to missing itemization. Fees verified. B B No Yes Final HUD1 AZ 10/XX/2007 Purchase Primary XXX $XXX  
25442036 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. COMMENT: 2019-06-14: UTD due to missing itemization B B Yes Yes Final HUD1 AZ 12/XX/2007 Refinance Primary XXX $XXX  
25931811 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-14: Unable to determine the source of the under disclosure as the file is missing the Itemization of Amount Financed. B B Yes Yes Final HUD1 AZ 2/XX/2008 Refinance Primary XXX $XXX  
25224868 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-14: 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. B B No Yes Final HUD1 FL 3/XX/2008 Purchase Primary XXX $XXX  
25487580 2       2 *** (OPEN) ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-14: Unable to determine reason for under disclosure due to missing Final TIL itemization. B B Yes Yes Final HUD1 AZ 3/XX/2008 Refinance Primary XXX $XXX  
25916465 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B No Yes Final HUD1 FL 7/XX/2008 Purchase Primary XXX $XXX  
25040692 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2   B B No Yes Final HUD1 FL 10/XX/2008 Purchase Primary XXX $XXX  
25518631 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 11/XX/2008 Purchase Primary XXX $XXX  
25813889 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2   B B Yes Yes Final HUD1 MO 9/XX/2013 Refinance Primary XXX $XXX  
25689340 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   D D No No Missing IL 6/XX/2003 Refinance Primary XXX $XXX  
25051617 2       2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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). - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IN 1/XX/2001 Refinance Primary XXX $XXX  
25235304 2       2 *** (OPEN) ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 WI 2/XX/1996 Purchase Primary XXX $XXX  
25524838 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: unable to determine reason for under disclosure due to missing itemization B B No Yes Final HUD1 AZ 1/XX/2005 Purchase Primary XXX $XXX  
25715577 1       1     A A Yes Yes Final HUD1 AZ 6/XX/2005 Refinance Primary XXX $XXX  
25997113 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 12/XX/2005 Refinance Second Home XXX $XXX  
25410606 1       1     A A No Yes Final HUD1 AZ 1/XX/2006 Purchase Primary XXX $XXX  
25425820 2       2 *** (OPEN) ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2   B B No Yes Final HUD1 AZ 11/XX/2005 Purchase Primary XXX $XXX  
25707901 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 7/XX/2006 Purchase Primary XXX $XXX  
25356368 2       2 *** (OPEN) 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). - EV2   B B Yes Yes Final HUD1 AZ 7/XX/2006 Refinance Primary XXX $XXX  
25489012 2       2 *** (OPEN) ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2   B B Yes Yes Final HUD1 AZ 7/XX/2006 Refinance Primary XXX $XXX  
25090178 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 6/XX/2006 Refinance Second Home XXX $XXX  
25509491 1       1     A A No Yes Final HUD1 AZ 7/XX/2003 Construction-Permanent Primary XXX $XXX  
25138567 1       1     A A No Yes Final HUD1 AZ 11/XX/2003 Construction-Permanent Primary XXX $XXX  
25153404 1       1     A A No Yes Final HUD1 AZ 10/XX/2004 Purchase Primary XXX $XXX  
25133715 2       2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 WI 3/XX/2006 Purchase Primary XXX $XXX  
25305502 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 WI 7/XX/2006 Purchase Primary XXX $XXX  
25182350 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 MN 6/XX/2006 Purchase Primary XXX $XXX  
25652780 1       1     A A No Yes Final HUD1 WI 8/XX/2006 Purchase Second Home XXX $XXX  
25895885 2       2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: unable to determine reason for under disclosure due to missing itemization B B Yes Yes Final HUD1 AZ 10/XX/2007 Refinance Primary XXX $XXX  
25284080 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2   B B Yes Yes Final HUD1 AZ 4/XX/2008 Refinance Primary XXX $XXX  
25165402 2       2 *** (OPEN) ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2   B B Yes Yes Final HUD1 IN 2/XX/2009 Purchase Primary XXX $XXX  
25681966 2       2 *** (OPEN) ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: PPP is expired. Prepayment prohibited per state (OH). B B Yes Yes Final HUD1 CT 2/XX/2005 Refinance Primary XXX $XXX  
25510957 2       2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. - EV2 *** (OPEN) Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. COMMENT: 2019-06-17: 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 B B Yes Yes Final HUD1 OH 5/XX/2001 Refinance Primary XXX $XXX  
25037456 2       2 *** (OPEN) ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. - EV2 *** (OPEN) Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. COMMENT: 2019-06-17: PPP Expired. Loan contains an impermissible prepayment penalty of greater than 1% of the original balance.- note states 3%, 2%, 1%. Lender is XXX. B B Yes Yes Final HUD1 OH 5/XX/2006 Refinance Primary XXX $XXX  
25360071 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: Unable to determine reason for under disclosure due to missing Final TIL itemization. *** (OPEN) 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. COMMENT: 2019-06-17: PPP Expired. Prepayment exceeds allowed per state MI - max prepayment charge for MI loan is 1% - note states 3%, 2%, 1%. Lender is XXX. B B Yes Yes Final HUD1 MI 9/XX/1999 Refinance Primary XXX $XXX  
25420881 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NV 11/XX/2006 Refinance Primary XXX $XXX  
25273667 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 WV 10/XX/2001 Refinance Primary XXX $XXX  
25789615 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 7/XX/2002 Refinance Primary XXX $XXX  
25267184 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: PPP expired. Not permitted per state (OH). B B Yes Yes Final HUD1 OH 7/XX/2003 Refinance Primary XXX $XXX  
25347291 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A Yes Yes Final HUD1 IL 7/XX/2003 Refinance Primary XXX $XXX  
25157855 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: 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. B B Yes Yes Final HUD1 MI 7/XX/2003 Refinance Primary XXX $XXX  
25342587 1       1     A A Yes Yes Final HUD1 IL 8/XX/2003 Refinance Primary XXX $XXX  
25225552 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. - EV2 *** (OPEN) Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. COMMENT: 2019-06-17: PPP expired. Prepayment of 3/2/1% exceeds the limits of 1% per state (OH). Lender is XXX. B B Yes Yes Final HUD1 OH 5/XX/2004 Refinance Primary XXX $XXX  
25065162 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 2/XX/2006 Refinance Primary XXX $XXX  
25341259 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 CO 2/XX/2006 Refinance Primary XXX $XXX  
25098486 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: 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. B B Yes Yes Final HUD1 WI 5/XX/2007 Refinance Primary XXX $XXX  
25123119 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: no restrictions B B Yes Yes Final HUD1 OR 7/XX/2007 Refinance Primary XXX $XXX  
25319475 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: 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. B B Yes Yes Final HUD1 WI 8/XX/2007 Refinance Primary XXX $XXX  
25055433 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-06-17: 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. B B Yes Yes Final HUD1 OH 8/XX/2007 Refinance Primary XXX $XXX  
25557893 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MN 12/XX/2007 Refinance Primary XXX $XXX  
25004140 3       3 *** (OPEN) Missing Document: HUD-1 Addendum not provided - EV3 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. - EV2   D D Yes Yes Final HUD1 OH 3/XX/2008 Refinance Primary XXX $XXX  
25182252 2       2 *** (OPEN) 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. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. COMMENT: 2019-06-17: 5% Late fee exceeds 4% maximum per State NC B B Yes Yes Final HUD1 NC 4/XX/2006 Refinance Primary XXX $XXX  
25837598 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) Michigan Prepayment Penalty: Michigan Prepayment Penalty: First lien loan contains an impermissible prepayment penalty of greater than 1% of the prepaid balance. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Prepayment Penalty: Michigan Prepayment Penalty: First lien loan contains an impermissible prepayment penalty of greater than 1% of the prepaid balance. COMMENT: 2019-06-18: max prepayment charge for WI loan is 1% - note states 6 months interest. Lender is XXX. B B Yes Yes Final HUD1 MI 2/XX/2007 Refinance Primary XXX $XXX  
25925135 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 6/XX/2003 Refinance Primary XXX $XXX  
25409832 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 KY 9/XX/2003 Refinance Primary XXX $XXX  
25806386 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 12/XX/2003 Refinance Primary XXX $XXX  
25363167 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 IN 8/XX/1998 Refinance Primary XXX $XXX  
25752990 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B No Yes Final HUD1 GA 7/XX/2007 Purchase Primary XXX $XXX  
25918639 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-26: Unable to determine under disclosure due to missing itemization of amount financed. B B No Yes Final HUD1 VA 1/XX/2000 Purchase Primary XXX $XXX  
25698238 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 8/XX/2000 Purchase Primary XXX $XXX  
25626879 1   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3   1     A A No Yes Final HUD1 VA 10/XX/2000 Purchase Primary XXX $XXX  
25768182 2   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 10/XX/2000 Refinance Primary XXX $XXX  
25890646 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B No Yes Final HUD1 VA 6/XX/2001 Purchase Primary XXX $XXX  
25830467 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B No Yes Final HUD1 VA 6/XX/2001 Purchase Primary XXX $XXX  
25362700 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 7/XX/2001 Refinance Primary XXX $XXX  
25868608 2   *** (OPEN) (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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. B B No Yes Final HUD1 VA 7/XX/2001 Purchase Primary XXX $XXX  
25704318 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: The itemization of amount financed did not include the attorney fee of $300 as a prepaid finance charge. B B Yes Yes Final HUD1 VA 2/XX/2002 Refinance Primary XXX $XXX  
25142754 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. COMMENT: 2018-12-27: 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 B B Yes Yes Final HUD1 VA 3/XX/2002 Refinance Primary XXX $XXX  
25075358 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 NC 8/XX/2002 Refinance Investment XXX $XXX  
25055487 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 9/XX/2002 Purchase Primary XXX $XXX  
25177361 1       1     A A Yes Yes Final HUD1 NC 3/XX/2003 Refinance Primary XXX $XXX  
25754117 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 VA 2/XX/2003 Purchase Primary XXX $XXX  
25805392 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) (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. - EV1 *** (OPEN) 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. COMMENT: 2018-12-31: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 NC 10/XX/2003 Refinance Primary XXX $XXX  
25496843 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B No Yes Final HUD1 VA 4/XX/2004 Purchase Primary XXX $XXX  
25102315 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2004 Refinance Primary XXX $XXX  
25373753 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 6/XX/2004 Refinance Primary XXX $XXX  
25560112 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization of amount financed reflects a lump sum of $3771.15, however calculated reflects an amount of $4115.15. B B No Yes Final HUD1 VA 1/XX/2005 Purchase Primary XXX $XXX  
25878692 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 7/XX/2005 Refinance Primary XXX $XXX  
25815200 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 9/XX/2005 Purchase Primary XXX $XXX  
25796773 1       1     A A Yes Yes Final HUD1 NC 9/XX/2005 Refinance Primary XXX $XXX  
25454288 2       2 *** (OPEN) 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. - EV2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 TN 3/XX/2006 Refinance Primary XXX $XXX  
25698789 2   *** (OPEN) Missing Document: Appraisal not provided - EV3   2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 FL 7/XX/2006 Purchase Primary XXX $XXX  
25549178 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 NJ 5/XX/1999 Refinance Primary XXX $XXX  
25874088 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 3/XX/2007 Refinance Primary XXX $XXX  
25704848 2       2 *** (OPEN) 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. - EV2 *** (CLEARED) 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) - EV1 *** (CLEARED) 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) COMMENT: 2019-05-13: 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. B B No Yes Final HUD1 NC 7/XX/2007 Refinance Investment XXX $XXX  
25986777 3       3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization disclosed an settlement fee of $300 and hud reflects $250 as a prepaid finance charge. C C Yes Yes Final HUD1 NC 11/XX/2007 Refinance Primary XXX $XXX  
25916384 3       3 *** (OPEN) 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. - EV3 *** (OPEN) (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. - EV2   C C Yes Yes Final HUD1 NC 1/XX/2008 Refinance Primary XXX $XXX  
25876415 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NC 4/XX/2008 Refinance Primary XXX $XXX  
25139466 1   *** (CLEARED) Title Policy is Preliminary or Commitment, and not a Final Title Policy. - EV1   1     A A No Yes Final HUD1 NC 3/XX/2008 Refinance Investment XXX $XXX  
25359792 1       1     A A No Yes Final HUD1 NC 4/XX/2008 Refinance Investment XXX $XXX  
25716541 1       1     A A No Yes Final HUD1 NC 4/XX/2008 Refinance Investment XXX $XXX  
25876082 3       3 *** (OPEN) 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. - EV3   C C Yes Yes Final HUD1 NC 7/XX/2008 Refinance Primary XXX $XXX  
25016508 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-01-03: TIL Itemization did not disclose the $50 courier fee as prepaid finance charges. B B Yes Yes Final HUD1 NC 7/XX/2008 Refinance Primary XXX $XXX  
25807991 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 5/XX/2005 Refinance Primary XXX $XXX  
25107996 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: 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. B B Yes Yes Final HUD1 VA 5/XX/2005 Refinance Primary XXX $XXX  
25172791 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 3/XX/2006 Refinance Primary XXX $XXX  
25208125 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 1/XX/2006 Refinance Primary XXX $XXX  
25057287 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 2/XX/2006 Purchase Primary XXX $XXX  
25224725 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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.) - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: Unable to determine under disclosure due to missing itemization of amount financed. B B Yes Yes Final HUD1 VA 6/XX/2006 Refinance Primary XXX $XXX  
25790942 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: 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. B B Yes Yes Final HUD1 VA 10/XX/2006 Refinance Primary XXX $XXX  
25703465 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2   B B Yes Yes Final HUD1 VA 8/XX/2006 Refinance Primary XXX $XXX  
25631789 2   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-28: TIL itemization only included the loan discount fee as a prepaid finance charge. B B Yes Yes Final HUD1 VA 10/XX/2006 Refinance Primary XXX $XXX  
25511320 1       1     A A No Yes Final HUD1 VA 4/XX/2007 Purchase Investment XXX $XXX  
25938801 1       1     A A Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25109144 1       1     A A Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25173750 1       1     A A Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25973368 2       2 *** (OPEN) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 VA 7/XX/2007 Refinance Primary XXX $XXX  
25646605 1       1     A A No Yes Final HUD1 VA 8/XX/2007 Purchase Primary XXX $XXX  
25281446 1       1     A A Yes Yes Final HUD1 VA 9/XX/2007 Refinance Primary XXX $XXX  
25806448 1       1     A A Yes Yes Final HUD1 VA 9/XX/2007 Refinance Primary XXX $XXX  
25837906 1       1     A A Yes Yes Final HUD1 VA 11/XX/2007 Refinance Primary XXX $XXX  
25960508 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 1/XX/2008 Refinance Primary XXX $XXX  
25858707 1       1     A A Yes Yes Final HUD1 VA 2/XX/2008 Refinance Primary XXX $XXX  
25592678 2       2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2   B B Yes Yes Final HUD1 VA 4/XX/2008 Refinance Primary XXX $XXX  
25559811 1       1     A A Yes Yes Final HUD1 VA 5/XX/2008 Refinance Primary XXX $XXX  
25559697 2       2 *** (OPEN) Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. - EV2 *** (OPEN) 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. - EV2 *** (CLEARED) Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. - EV1 *** (CLEARED) TILA - Final TIL Missing: Missing Final TIL. - EV1   B B Yes Yes Final HUD1 VA 6/XX/2008 Refinance Primary XXX $XXX  
25948022 1       1     A A Yes Yes Final HUD1 VA 6/XX/2008 Refinance Primary XXX $XXX  
25975562 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 6/XX/2008 Refinance Primary XXX $XXX  
25631148 1   *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 11/XX/2003 Purchase Primary XXX $XXX  
25799395 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: TIL Itemization did not disclose $50.00 Settlement Fee, $150.00 Processing Fee and $60.00 Tax Service Fee as prepaid finance charges. B B Yes Yes Final HUD1 VA 10/XX/2003 Refinance Primary XXX $XXX  
25982870 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 1/XX/2004 Purchase Primary XXX $XXX  
25337447 1       1     A A No Yes Final HUD1 VA 10/XX/2004 Refinance Investment XXX $XXX  
25584833 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 3/XX/2005 Refinance Investment XXX $XXX  
25635998 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 VA 3/XX/2007 Refinance Primary XXX $XXX  
25485089 1       1     A A No Yes Final HUD1 VA 11/XX/2007 Refinance Investment XXX $XXX  
25390483 1   *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 VA 6/XX/2006 Purchase Primary XXX $XXX  
25086047 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 12/XX/2006 Refinance Primary XXX $XXX  
25561543 2       2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 VA 5/XX/2007 Refinance Primary XXX $XXX  
25665198 1       1     A A No Yes Final HUD1 VA 2/XX/2008 Purchase Primary XXX $XXX  
25064511 1       1     A A Yes Yes Final HUD1 VA 4/XX/2008 Refinance Primary XXX $XXX  
25999558 1       1     A A Yes Yes Final HUD1 VA 3/XX/2007 Refinance Primary XXX $XXX  
25191378 1       1     A A No Yes Final HUD1 PA 9/XX/2005 Purchase Primary XXX $XXX  
25406321 2       2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 PA 6/XX/2006 Refinance Primary XXX $XXX  
25794406 1   *** (OPEN) Missing Document: Appraisal not provided - EV3   1     A A No Yes Final HUD1 PA 12/XX/2006 Purchase Primary XXX $XXX  
25976379 1       1     A A Yes Yes Final HUD1 PA 2/XX/2008 Refinance Primary XXX $XXX  
25485520 1   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   1     A A No Yes Final HUD1 PA 4/XX/2008 Purchase Primary XXX $XXX  
25429551 1   *** (OPEN) Missing Document: Appraisal not provided - EV3   1     A A No Yes Final HUD1 FL 1/XX/2006 Purchase Investment XXX $XXX  
25758698 1       1     A A Yes Yes Final HUD1 VA 12/XX/2007 Refinance Primary XXX $XXX  
25195994 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) (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. COMMENT: 2019-10-02: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. *** (OPEN) 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. COMMENT: 2019-10-02: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. D D Yes No Missing AL 2/XX/2010 Refinance Primary XXX $XXX  
25185706 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-07-17: TIL itemization did not disclose a Landsafe fee of $1,015 as prepaid finance charge. B B Yes Yes Final HUD1 AK 10/XX/2006 Refinance Primary XXX $XXX  
25092478 2   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3 *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided COMMENT: 2018-07-18: MI certificate from origination not in file. 2 *** (OPEN) Alabama Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. - EV2 *** (OPEN) Alabama Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state. COMMENT: 2018-07-17: 5% late charge totals to $134.13 which exceeds the maximum dollar amount of $100 per state (AL). B B No Yes Final HUD1 AL 7/XX/2007 Purchase Primary XXX $XXX  
25667591 2   *** (OPEN) Missing Document: FHA Mortgage Insurance Certificate not provided - EV3 *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2   B B Yes Yes Final HUD1 GA 3/XX/2010 Refinance Primary XXX $XXX  
25673538 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 IL 12/XX/2003 Refinance Primary XXX $XXX  
25193208 1       1     A A Yes Yes Final HUD1 NJ 10/XX/2004 Refinance Primary XXX $XXX  
25260612 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 OH 5/XX/2006 Refinance Primary XXX $XXX  
25714909 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 AZ 7/XX/2006 Purchase Primary XXX $XXX  
25568272 1       1     A A Yes Yes Final HUD1 NC 10/XX/2007 Purchase Primary XXX $XXX  
25977701 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 FL 1/XX/2008 Refinance Primary XXX $XXX  
25097111 2       2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 NY 4/XX/2008 Refinance Primary XXX $XXX  
25481035 2       2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   B B Yes Yes Final HUD1 NY 8/XX/2002 Purchase Primary XXX $XXX  
25054690 2       2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 MI 5/XX/2006 Refinance Primary XXX $XXX  
25384000 1   *** (OPEN) Missing Document: Mortgage Insurance Certificate (MIC) not provided - EV3   1     A A Yes Yes Final HUD1 NC 9/XX/2003 Purchase Primary XXX $XXX  
25689583 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NJ 11/XX/2003 Purchase Investment XXX $XXX  
25223074 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 OH 3/XX/2003 Purchase Primary XXX $XXX  
25738099 2   *** (OPEN) Missing Document: HUD/VA 92900-A not provided - EV3   2 *** (OPEN) Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. - EV2   B B No Yes Final HUD1 FL 3/XX/2007 Purchase Primary XXX $XXX  
25136178 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2 *** (OPEN) Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. - EV2   D D Yes No Missing GA 12/XX/2000 UTD UTD XXX $XXX  
25264300 2       2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2   B B Yes Yes Final HUD1 PA 3/XX/2007 Refinance Primary XXX $XXX  
25523606 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) Illinois Prepayment Penalty: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Illinois Prepayment Penalty: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible on a loan with an interest rate greater than 8%. COMMENT: 2019-10-01: 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. B B Yes Yes Final HUD1 IL 10/XX/2006 Refinance Primary XXX $XXX  
25950774 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) (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. COMMENT: 2019-10-02: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. *** (OPEN) 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. COMMENT: 2019-10-02: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. D D Yes No Missing SC 4/XX/2010 Refinance Primary XXX $XXX  
25125988 1   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   1     A A Yes Yes Final HUD1 SC 9/XX/2008 Refinance Primary XXX $XXX  
25138959 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B Yes Yes Final HUD1 GA 4/XX/2008 Refinance Primary XXX $XXX  
25552979 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. - EV2 *** (OPEN) CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B Yes Yes Final HUD1 TN 11/XX/2001 Refinance Primary XXX $XXX  
25769911 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) RESPA (2010) Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. - EV2 *** (OPEN) RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). - EV2 *** (OPEN) RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. - EV2 *** (OPEN) TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) (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. COMMENT: 2019-10-02: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. *** (OPEN) 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. COMMENT: 2019-10-02: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. D D Yes No Missing TN 11/XX/2010 UTD Primary XXX $XXX  
25853035 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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 - EV2   D D Yes No Missing GA 5/XX/2007 Refinance Primary XXX $XXX  
25860772 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. - EV2   B B Yes Yes Final HUD1 GA 6/XX/2001 Refinance Primary XXX $XXX  
25609268 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2019-10-02: Disclosed payment on Note of $1245.69 does not correspond with the loan amount, loan term, and interest rate on the loan. B B Yes Yes Final HUD1 AL 2/XX/2008 Refinance Primary XXX $XXX  
25277339 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Lien Position 1 Other Financing Document is missing.: Lien Position: 1 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) (Doc Error) Loan was portrayed as first lien but found to be a second lien - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) (Doc Error) Loan was portrayed as first lien but found to be a second lien COMMENT: 2019-10-02: 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. D D Yes No Missing TN 10/XX/2008 Refinance Primary XXX $XXX  
25678271 3   *** (OPEN) Final Title Policy is missing. No evidence of title in file. - EV3 *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) 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. - EV2   D D Yes No Missing SC 3/XX/2008 Refinance Primary XXX $XXX  
25720355 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing AL 4/XX/2002 Refinance Primary XXX $XXX  
25544972 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Loan was portrayed as first lien but found to be a second lien - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) (Doc Error) Loan was portrayed as first lien but found to be a second lien COMMENT: 2019-10-02: 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. D D Yes No Missing AL 3/XX/2006 Refinance Primary XXX $XXX  
25865052 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Valuation: - EV3 *** (OPEN) Missing Valuation: COMMENT: 2019-10-02: Appraisal not provided 2 *** (OPEN) (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. - EV2 *** (OPEN) (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. - EV2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (2010): Interest Rate on Final HUD-1 does not match Note. - EV2 *** (OPEN) RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. - EV2 *** (OPEN) RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) (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. COMMENT: 2019-10-02: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. *** (OPEN) 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. COMMENT: 2019-10-02: The loan file does not contain third party documentation of the Borrower's ability to repay the loan. B B Yes Yes Final HUD1 FL 3/XX/2010 Refinance Primary XXX $XXX  
25509679 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B Yes Yes Final HUD1 GA 5/XX/2000 Refinance Primary XXX $XXX  
25896102 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D No No Missing FL 5/XX/2007 UTD Second Home XXX $XXX  
25970546 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2   D D No No Missing AZ 7/XX/2005 Purchase Primary XXX $XXX  
25794720 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Credit Report not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing AL 12/XX/2006 UTD Primary XXX $XXX  
25052980 3   *** (OPEN) Missing Document: Appraisal not provided - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2   D D Yes No Missing IL 12/XX/2008 UTD Primary XXX $XXX  
25212301 3   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3 *** (OPEN) Lien Position 1 Other Financing Document is missing.: Lien Position: 1 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   3 *** (OPEN) 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. - EV3 *** (OPEN) (Doc Error) Initial GFE not provided - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) TILA - Final TIL Missing: Missing Final TIL. - EV2 *** (OPEN) Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) COMMENT: 2019-10-02: PPP Expired. Prepayment charge not allowed per state (OH). Lender is XXX. D D Yes No Missing OH 7/XX/2006 Refinance Primary XXX $XXX  
25093605 1       1     A A Yes Yes Final HUD1 GA 5/XX/2007 Purchase Primary XXX $XXX  
25999676 2   *** (OPEN) Lien Position 1 Other Financing Document is missing.: Lien Position: 1 - EV3 *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. - EV2 *** (OPEN) 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 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV2 *** (OPEN) Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B No Yes Final HUD1 CA 4/XX/2006 Refinance Primary XXX $XXX  
25516460 2 1 *** (CLEARED) Final Title Policy is missing. No evidence of title was found in file. - EV1 *** (CLEARED) Income Docs Missing:: Borrower: XXX - EV1 *** (CLEARED) Income Docs Missing:: Borrower: XXX VVOE within 10 days of closing. 2 *** (CURED) 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. - EV2 *** (OPEN) Missing Document: Missing Lender's Initial 1003 - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure. - EV2 *** (CLEARED) Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM. - EV1 *** (OPEN) 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) COMMENT: 2018-01-09: Disclosure reflects Finance Charges of $38,903.98, however calculated Finance Charges reflects $39,429.79. Refund = $525.81. *** (OPEN) 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) COMMENT: 2018-01-09: Disclosure reflects Finance Charges of $38,903.98, however calculated Finance Charges reflects $39,429.79. Refund = $525.81. *** (OPEN) 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) COMMENT: 2017-10-11: 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. B B Yes No   NC 8/XX/2016 Refinance Primary XXX $XXX  
25375754 3 3 *** (OPEN) AUS Findings: All conditions were not met - EV3 *** (OPEN) Income Docs Missing:: Borrower: XXX, Borrower: XXX - EV3 *** (CLEARED) Security Instrument is not signed by borrower(s). - EV1 *** (OPEN) AUS Findings: All conditions were not met COMMENT: 2017-10-27: Missing verbal VOE dated within ten days of closing as required by AUS. *** (OPEN) Income Docs Missing:: Borrower: XXX VVOE not located in file. *** (CLEARED) Security Instrument is not signed by borrower(s). COMMENT: 2017-10-26: Missing signature page. 2 *** (CURED) 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. - EV2 *** (CURED) 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) - EV1 *** (CLEARED) Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. - EV1 *** (CURED) 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) COMMENT: 2017-10-16: No cure provided on final CD. A valid change of circumstance was not located in file. COC in file did not detail CPL fee B A Yes No   PA 6/XX/2016 Refinance Primary XXX $XXX  
25198121 3 3 *** (OPEN) Guideline Requirement: Investor qualifying total debt ratio discrepancy. - EV3 *** (OPEN) Income Docs Missing:: Borrower: XXX - EV3 *** (CLEARED) AUS Findings: All conditions were not met - EV1 *** (OPEN) Guideline Requirement: Investor qualifying total debt ratio discrepancy. COMMENT: 2017-10-31: 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 *** (CLEARED) AUS Findings: All conditions were not met COMMENT: 2018-01-09: 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). 3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) 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. - EV3 *** (OPEN) S-Corp Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX/S-Corp) - EV3 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) 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) - EV2 *** (OPEN) TRID Settlement Service Provider Status: TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. - EV2 *** (CLEARED) Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Risk. - EV1 *** (OPEN) 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. COMMENT: 2017-11-09: New Exception Generated after receiving designation. *** (OPEN) 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) COMMENT: 2017-10-12: The value amount is based on the sales price rather than the appraised property value indicated on borrower's CD. *** (OPEN) TRID Settlement Service Provider Status: TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. COMMENT: 2017-10-12: Lender's settlement service providers are not located in file. C C Yes No   GA 6/XX/2017 Purchase Primary XXX $XXX  
25581972 2 1 *** (CLEARED) Missing Document: Flood Certificate not provided - EV1 *** (CLEARED) Missing Document: Hazard Insurance Policy not provided - EV1 *** (CLEARED) Missing Document: Missing Final 1003 - EV1 *** (CLEARED) Missing Document: Mortgage Loan Payoff Statement not provided - EV1 *** (CLEARED) Missing Document: Note - Senior Lien not provided - EV1 *** (CLEARED) Missing Document: Security Instrument not provided - EV1 *** (CLEARED) The verbal verification of employment was obtained more than 10 days prior to the note date. - EV1 *** (CLEARED) Title: Evidence of title is missing - EV1 *** (CLEARED) The verbal verification of employment was obtained more than 10 days prior to the note date. COMMENT: 2017-11-10: Unable to determine if VVOE within 10 days of Note, Note missing. *** (CLEARED) Title: Evidence of title is missing COMMENT: 2017-10-30: Title Policy for Subject Loan is missing from the file 2 *** (CURED) 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. - EV2 *** (OPEN) TRID Esign Consent Agreement Status: ESIGN Act Loan file does not contain evidence of borrower's consent to receive electronic disclosures. - EV2 *** (OPEN) 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) - EV2 *** (CLEARED) 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. - EV1 *** (CLEARED) Missing Document: Note - Subject Lien not provided - EV1 *** (CLEARED) Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. - EV1 *** (CLEARED) 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. - EV1 *** (CLEARED) Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. - EV1 *** (OPEN) TRID Esign Consent Agreement Status: ESIGN Act Loan file does not contain evidence of borrower's consent to receive electronic disclosures. COMMENT: 2017-11-08: New Exception Generated after receiving documents *** (OPEN) 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) COMMENT: 2017-11-08: New Exception Generated after receiving documents B B Yes No   GA 7/XX/2017 Refinance Primary XXX $XXX  
25818150 2   *** (OPEN) Missing Document: Missing Final 1003 - EV2   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) 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. COMMENT: 2018-12-31: 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. *** (OPEN) 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. COMMENT: 2018-12-31: 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. B B Yes Yes Final HUD1 VA 1/XX/2007 Refinance Primary XXX $XXX  
25893278 2       2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 NV 4/XX/2006 Purchase Primary XXX $XXX  
25225764 2       2 *** (OPEN) Michigan Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B No Yes Final HUD1 MI 6/XX/2006 Refinance Primary XXX $XXX  
25776603 2   *** (OPEN) Lien Position 1 Other Financing Document is missing.: Lien Position: 1 - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2 *** (OPEN) TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. - EV2   B B No Yes HELOC Agreement CA 7/XX/2006 Refinance Primary XXX $XXX  
25311837 2       2 *** (OPEN) 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. - EV2 *** (OPEN) 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. - EV2   B B No Yes Final HUD1 CA 8/XX/2006 Refinance Primary XXX $XXX  
25136012 1       1     A A No Yes Final HUD1 CA 8/XX/2006 Refinance Primary XXX $XXX  
25212462 2       2 *** (OPEN) RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. - EV2 *** (OPEN) TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. - EV2   B B No Yes Final HUD1 CA 3/XX/2007 Refinance Primary XXX $XXX  
25840142 2   *** (OPEN) Initial Rate Lock rate date is not documented in file. - EV3   2 *** (OPEN) 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. - EV2 *** (OPEN) RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. - EV2   B B No Yes Final HUD1 FL 7/XX/2006 Purchase Primary XXX $XXX