EX-99.4 20 efc19-643_ex994s2b.htm SCHEDULE 2(B) - CONDITIONS REPORT
Client Name:
XXX
          
Client Project Name:
MCMLT 2019-GS2
          
Start - End Dates:
9/10/2016 - 6/7/2019
          
Deal Loan Count:
1,395
          
Report Run Date:
10/6/2019 1:06 PM
          
             
Conditions Report 2.0
            
             
Loans in Report:
1,395
          
Loans with Conditions:
1,244
          

Redacted Loan ID Loan ID XXX Loan ID Loan Number Seller Loan ID Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments TRID Error Type Cure Method Loan Status
6F29098B-3905-429F-954C-24D50BEDEC49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination due to missing updated credit report with scores and LP with risk class caution. (No Data) (No Data) (No Data) Not Applicable Complete
6F29098B-3905-429F-954C-24D50BEDEC49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing credit report with scores and LP with risk class caution. (No Data) (No Data) (No Data) Not Applicable Complete
6F29098B-3905-429F-954C-24D50BEDEC49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Finance Charge Tolerance Satisfied C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No 1. Disclosed Amount XXX is higher than XXX calculated Amount XXX by $XXX.2. Post Close CD issued 5/XX/18 tested, exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
6F29098B-3905-429F-954C-24D50BEDEC49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: 05/XX/2018-1 & CD: 05/XX/2018-1, Section: Summaries of Transactions, Sales price of Property minus Loan Amount- $XXX must equal Section: Calculating Cash to Close, Field: Down Payment/Funds from Borrower - $432.50. (No Data) (No Data) Numeric Not Applicable Complete
6F29098B-3905-429F-954C-24D50BEDEC49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: 05/XX/2018-1 & CD: 05/XX/2018-1, Section: Summaries of Transactions total for Adjustment and Other Credits is $XXX, this value must match Calculating Costs to Close total for Adjustment and Other Credits XXX. (No Data) (No Data) Numeric Not Applicable Complete
6F29098B-3905-429F-954C-24D50BEDEC49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD:5/XX/2018-1 & Final CD:5/XX/2018-1, Section: Other Costs, Field E, line 01, missing fee itemization (breakdown). (No Data) (No Data) (No Data) Not Applicable Complete
6F29098B-3905-429F-954C-24D50BEDEC49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3776 TRID - LE or CD does not meet TRID requirements No CD:5/XX/2018-1 & CD: 5/XX/2018-1, Section: Transaction information, Field: Seller, missing street, city, state and ZIP. (No Data) (No Data) (No Data) Not Applicable Complete
6F29098B-3905-429F-954C-24D50BEDEC49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 05/XX/2018-1, Section: Loan Costs, Field: B. line 02, missing payee. (No Data) (No Data) Hybrid Not Applicable Complete
C5D98BF8-7150-4EA1-B97E-D8D13266384D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD 4/XX/2018; Calculating Cash to Close Table ; does not match figures on Final LE dated 3/XX/2018 Calculating Cash to Close Table. (No Data) (No Data) Non-Numeric Not Applicable Complete
C5D98BF8-7150-4EA1-B97E-D8D13266384D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: 04/XX/2018 and CD: 04/XX/2018-1 [Last CD], Section: Other Costs, Section (E) missing itemization of Recording Fees. 2. CD: 04/XX/2018 and CD: 04/XX/2018-1 [Last CD], Section: Transaction Information; missing Seller(1&2) address entry.3 . CD: 04/XX/2018 and CD: 04/XX/2018-1 [Last CD], Section: Loan Costs; (B) missing Payee for Homeownership Counseling Fee. (No Data) (No Data) Hybrid Not Applicable Complete
C5D98BF8-7150-4EA1-B97E-D8D13266384D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE: 03/XX/2018-1 [Last LE], Section: NMLS and Contact Information: is improperly formatted as the License State is not disclosed. Exception satisfied by CD: 04/XX/2018-1 and CD: 04/XX/2018-1 [Last CD]. (No Data) (No Data) (No Data) Not Applicable Complete
4751E76C-B44D-4EC5-860F-FEFF33DD0CF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B D B D Compliance Documentation Active N/A D N/A D CMPDOC796 Missing Title Yes Missing title documentation at origination. (No Data) (No Data) (No Data) Not Applicable Complete
4751E76C-B44D-4EC5-860F-FEFF33DD0CF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B D B D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
738DB158-C647-4126-A7A6-DE34E9BCDA7C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
FAD833DF-1420-4080-8CA3-81B927D9582F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
0E53E971-4DB1-411E-90CF-FD74A7BC5B52 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.210%; HMDA benchmark rate 5.260%. APR variance of 3.950% exceeds 3.000% threshold. (No Data) (No Data) (No Data) Not Applicable Complete
0E53E971-4DB1-411E-90CF-FD74A7BC5B52 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
0E53E971-4DB1-411E-90CF-FD74A7BC5B52 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
0E53E971-4DB1-411E-90CF-FD74A7BC5B52 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
44092E9A-3622-4206-B4A6-53CF5AD1AB06 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
4E0661F5-A2B5-4951-ACEA-0F69D0691C95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.012% with HMDA Benchmark Rate of 4.750% causing variance of 4.262% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4E0661F5-A2B5-4951-ACEA-0F69D0691C95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4E0661F5-A2B5-4951-ACEA-0F69D0691C95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No XXX Loans -Borrower's Bill of Rights Not in File (No Data) (No Data) (No Data) Not Applicable Complete
4E0661F5-A2B5-4951-ACEA-0F69D0691C95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No XXX Loans -Consumer Caution/Homeownership Counseling Notice Not in File (No Data) (No Data) (No Data) Not Applicable Complete
B075577C-EE68-4441-9187-2DCC1977B100 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable A A A A                               Complete
C336220C-4DC0-4052-9F80-FF3DEEB5592F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing Balloon Rider. (No Data) (No Data) (No Data) (No Data) Complete
032832E3-D057-4504-8441-D81394A8C520 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
B40BC6E2-5E0A-4047-9B7B-A82178B3ED17 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
5AFF3DC3-5A16-4560-885A-7F478B6D5E9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
A5A1CDB8-ED20-49E7-BA92-6ABB0511EE7F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes XXX Alternative Loan without PPP Not Offered. Per Note, loan closed with a PPP, which has since expired. 6/XX/2018 - "Pre-pay N/AThere is no early termination fee. ""XXX does not charge a prepayment penalty on Closed-end loans or an early termination fee on open-end loans originated on or after October, 2013. Loans originated prior to October 5, 2013 may be subject to a prepayment penalty or early termination fee if the contract states these terms."" XXX Policy Subject XXX." 6/XX/18 - Subject contract(note) includes a PPP and was originated prior to October 5,2013. Exception to remain at this time. (No Data) Not Applicable Complete
B0B5F2B2-297F-4BA8-834A-19008A925E96 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP1683 TILA - Closing occurred prior to end of waiting period No XXX TIL dated XXX, earliest closing XXX. Closing occurred XXX prior to end of required waiting period. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B0B5F2B2-297F-4BA8-834A-19008A925E96 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1251 IL SB 1167- Alternative Loan without PPP Not Offered - Fed Inst No (No Data) (No Data) (No Data) (No Data) (No Data) Complete
396E6B0A-D962-4B2F-977F-E854674D48B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
C761B41F-E912-4ABD-A379-905B831FEDC4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Initial Application date of 08/XX/2005 and converted to an ARM HELOC on 9/XX/2005; HELOC Early Disclosure in file dated 09/XX/2005. HELOC Early Disclosure not received within 3 days of application or dated converted to a HELOC. (No Data) (No Data) (No Data) Not Applicable Complete
C761B41F-E912-4ABD-A379-905B831FEDC4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Initial Application date of 08/XX/2005 and converted to an ARM HELOC on 9/XX/2005; HELOC Early Disclosure in file dated 09/XX/2005. HELOC Early Disclosure not received within 3 days of application or dated converted to a HELOC. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
441A073C-EDED-4CD8-A3FA-9D3CCC50BBF8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
333C4FDE-6079-4EF6-BDB7-A43C19FFFAEF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
97EE1C02-92BC-4053-B342-7038396A120D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
B362435F-705C-47B7-8B65-72DE6285D708 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A B A                               Complete
92A6BAB1-A21B-4044-875B-98FBE1FF0917 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
7968C655-3765-4D80-BD39-9C537F6A9B9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
5E5AC653-6656-49A7-8CBE-1881E56F1456 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No Subject loan lender is XXX. Per HUD, payoff distributed to XXX. H-9 form used in error for non-lender to lender refinance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Complete
5E5AC653-6656-49A7-8CBE-1881E56F1456 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active N/A B N/A B CMPSTCP1251 IL SB 1167- Alternative Loan without PPP Not Offered - Fed Inst No (No Data) (No Data) (No Data) (No Data) (No Data) Complete
FD0C916D-64C4-4ADE-B67F-5E56BA3AA453 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
821C219A-E1A0-489F-B3A6-62D69B94F5E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
138C99F2-643F-4C7F-A02F-FBC59AA3FEEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Excessive DTI. Lender approved 60.643%; review DTI 60.65%. (No Data) (No Data) (No Data) Not Applicable Complete
138C99F2-643F-4C7F-A02F-FBC59AA3FEEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
138C99F2-643F-4C7F-A02F-FBC59AA3FEEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No Closing Disclosure issued XXX, and XXX: Closing Information Section are all missing the File Number. (No Data) (No Data) (No Data) Not Applicable Complete
138C99F2-643F-4C7F-A02F-FBC59AA3FEEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4285 TRID - CD: The value for Loan Amount in the LE column of the CD's Calculating Cash to Close table (Alt Version) is different from the value disclosed on the last LE or a prior CD No Closing Disclosure issued XXX Calculating Cash to Close Table (Loan Estimate column) match figures on Final Loan Estimate issued XXX Calculating Cash to Close Table. (No Data) (No Data) Non-Numeric Not Applicable Complete
138C99F2-643F-4C7F-A02F-FBC59AA3FEEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: XXX, Section: Loan Costs Section B the payees are not listed for the services. (No Data) (No Data) Hybrid Not Applicable Complete
8DFFACFB-AA3A-46C1-BC67-2D2060CAF695 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
F1870CC6-ECC2-49F4-BA9E-C4E9E147540A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
029C48C7-8F10-4EDB-913C-FC253059DA13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term480HMDA Benchmark Date4/XX/2010Test APR7.105HMDA Benchmark Rate5.130HMDA Benchmark/APR Variance1.975HMDA Rate Spread Trigger1.500Violates Federal Rate Spread threshold?Yes (No Data) (No Data) (No Data) Not Applicable Complete
029C48C7-8F10-4EDB-913C-FC253059DA13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes XXX Alternative Loan without PPP Not Offered. (No Data) (No Data) (No Data) Not Applicable Complete
E1A74D41-9219-470A-B16C-777829C39261 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E1A74D41-9219-470A-B16C-777829C39261 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
E1A74D41-9219-470A-B16C-777829C39261 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
E1A74D41-9219-470A-B16C-777829C39261 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E1A74D41-9219-470A-B16C-777829C39261 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
E1A74D41-9219-470A-B16C-777829C39261 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7D5B3577-ACDF-4946-9A26-80561D4E0CF9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
1D4A944B-957D-47C1-9439-F907DEEFC543 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A9D2BF05-99D3-481B-94CB-0494854A7CB4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
62BA9778-1276-48D7-810F-70FE893DC2B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A B A                               Complete
9837B03E-51CC-4FF8-811A-374A29768427 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prepayment Penalty per HELOC Agreement is a specific amount of $350.00 if the line is closed within the first 3 years of the interest start date. PPP has since expired. (No Data) (No Data) (No Data) Not Applicable Complete
F44959AC-87FB-4A9E-A0B3-B39CEFFF48E5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
90357812-3D6C-4C2A-B90A-22D864D70F32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
E778AC7C-B302-4B20-B72D-DF13AA4E0B1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
E778AC7C-B302-4B20-B72D-DF13AA4E0B1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
E778AC7C-B302-4B20-B72D-DF13AA4E0B1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax and Insurance disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
405F5FCA-B7F2-49F7-9F7F-0BFE55C9FDDC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
405F5FCA-B7F2-49F7-9F7F-0BFE55C9FDDC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP1535 MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed - Fed Inst No Prepayment Penalty per HELOC Agreement is a specific amount of $475.00 if the line is closed within the first 3 years of the interest start date. The PPP will be waived only on a refinance with the same lender. PPP has since expired. (No Data) (No Data) (No Data) Not Applicable Complete
405F5FCA-B7F2-49F7-9F7F-0BFE55C9FDDC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B888E198-CA02-4261-9287-CA3395E490CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prohibited Prepayment Penalty. PPP expired XXX. (No Data) (No Data) (No Data) Not Applicable Complete
677D6BA5-9F5F-4885-9BBA-F86F8C6DA7A6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
677D6BA5-9F5F-4885-9BBA-F86F8C6DA7A6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
677D6BA5-9F5F-4885-9BBA-F86F8C6DA7A6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
677D6BA5-9F5F-4885-9BBA-F86F8C6DA7A6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Repayment Ability Active N/A B N/A B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
677D6BA5-9F5F-4885-9BBA-F86F8C6DA7A6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
677D6BA5-9F5F-4885-9BBA-F86F8C6DA7A6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D4EB743A-FA0E-4670-904B-C90980635D7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes '- Excessive DTI. Lender approved XXX%; review DTI is XXX%. - Missing SSI award letter. (No Data) (No Data) (No Data) Not Applicable Complete
D4EB743A-FA0E-4670-904B-C90980635D7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing lender's ATR/QM status determination. (No Data) (No Data) (No Data) Not Applicable Complete
D4EB743A-FA0E-4670-904B-C90980635D7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing Repayment Ability Worksheet - Fed Inst. (No Data) (No Data) (No Data) Not Applicable Complete
D4EB743A-FA0E-4670-904B-C90980635D7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No RESPA - List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
D4EB743A-FA0E-4670-904B-C90980635D7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing Acknowledgement of Oral Tax/Insurance Disclosure - Fed Inst. (No Data) (No Data) (No Data) Not Applicable Complete
D4EB743A-FA0E-4670-904B-C90980635D7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No 1. Closing Disclosure issued XXX: Closing Information Section is missing Settlement Agent and File Number. 2. Closing Disclosure issued XXX: Payoffs and Payments table line 1 the payee is not listed. 09/12/17 Client provided CD XXX 09/12/17 Client provided CD XXX. This is the same CD that was provided for initial review. Exception remains Hybrid Not Applicable Complete
D4EB743A-FA0E-4670-904B-C90980635D7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing Closing Disclosure issued XXX. 09/12/17 Client provided CD XXX 09/12/17 Client provided CD XXX. This is the same CD that was provided for initial review. Exception remains (No Data) Not Applicable Complete
8006A4DD-FFA3-4CF8-8083-A1557BE542C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8006A4DD-FFA3-4CF8-8083-A1557BE542C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
8006A4DD-FFA3-4CF8-8083-A1557BE542C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
8006A4DD-FFA3-4CF8-8083-A1557BE542C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8006A4DD-FFA3-4CF8-8083-A1557BE542C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3ADEA3DC-8EDC-4245-A820-79B6A78E5F07 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Prepayment Penalty is Prohibited, PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
93D23266-52D1-471D-B241-10F25C71C0EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
FBC983C0-8639-42DF-B464-617248E4B12D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable A A A A                               Complete
11934909-0E5D-4AEE-9FCD-1444986DE1A4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
11934909-0E5D-4AEE-9FCD-1444986DE1A4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Disclosure for Total of Payments is $XXX, Lender XXX is XXX for a Difference of $1.02 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
60C2E2F1-EE6A-44AD-9F07-6FAAFB54CCCD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated $40.44 due to payment stream and fees. Lender total of payments is $XXX, calculated total of payments is $XXX for a variance of $5.44. Lender did not include Closing Protection letter of $35. Total understated finance charges is $40.44. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
617DE864-B012-4B95-9C3A-66132ECA7A63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
617DE864-B012-4B95-9C3A-66132ECA7A63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.945% with HMDA Benchmark Rate of 5.260% causing variance of 5.685% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
617DE864-B012-4B95-9C3A-66132ECA7A63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
617DE864-B012-4B95-9C3A-66132ECA7A63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
617DE864-B012-4B95-9C3A-66132ECA7A63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
617DE864-B012-4B95-9C3A-66132ECA7A63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
617DE864-B012-4B95-9C3A-66132ECA7A63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
17B63B71-DC26-4F17-810C-76F84CA10C6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.874% with HMDA Benchmark Rate of 4.690% causing variance of 5.184% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
56A7A413-1CC4-44EA-80F5-4244C1ABE670 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.662%, the benchmark APR is 4.960% resulting in a difference of 4.702%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
56A7A413-1CC4-44EA-80F5-4244C1ABE670 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE provided more than 3 days from application date. Application date per Lender Credit Report 09/XX/2004. GFE dated 09/XX/2004. (No Data) (No Data) (No Data) Not Applicable Complete
A4457013-614B-44AB-A7D5-1FF80077E05E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.595% with HMDA Benchmark Rate of 4.220% causing variance of 4.375% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
A4457013-614B-44AB-A7D5-1FF80077E05E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A4457013-614B-44AB-A7D5-1FF80077E05E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A4457013-614B-44AB-A7D5-1FF80077E05E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A4457013-614B-44AB-A7D5-1FF80077E05E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A4457013-614B-44AB-A7D5-1FF80077E05E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date unknown. (No Data) (No Data) (No Data) Not Applicable Complete
47E67D09-6794-4BEF-8C96-F903261D91CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.158% with HMDA Benchmark Rate of 4.720% causing variance of 7.438% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
47E67D09-6794-4BEF-8C96-F903261D91CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
47E67D09-6794-4BEF-8C96-F903261D91CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
47E67D09-6794-4BEF-8C96-F903261D91CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No PPP missing provision that a PPP cannot be assessed upon a bona fide sale. (No Data) (No Data) (No Data) Not Applicable Complete
0DE9075A-3E63-4BFF-BFCC-795F7AC1BAB5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.384 HMDA Benchmark Rate 4.940 HMDA Benchmark/APR Variance 6.444 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
5750F718-0D9D-4D18-9526-435899371AE6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.211% with HMDA Benchmark Rate 4.810% causing HMDA Benchmark/APR Variance 5.401% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
5750F718-0D9D-4D18-9526-435899371AE6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CB0626A7-3699-4491-BB1D-12F8222A5087 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Total of Payments per the Final TIL is $XXX. Total of Payments per payment stream is $XXX, for a discrepancy of $.01. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3009CD63-7C14-42C9-9DAF-2FEC5832619E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.535% with HMDA Benchmark Rate of 4.880% causing variance of 4.655% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
02050C5C-82A8-4967-AF29-3A0C733BA734 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
02050C5C-82A8-4967-AF29-3A0C733BA734 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
074D4FBA-FA36-41F3-8D4D-77EDFE935BBC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.686% with HMDA Benchmark Rate of 4.560% causing variance of 4.126% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
FFEE052E-82E3-4F2E-A0B3-D0EFE538BB9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FFEE052E-82E3-4F2E-A0B3-D0EFE538BB9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date 12/XX/2006 Test APR 10.150 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 5.430 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
FFEE052E-82E3-4F2E-A0B3-D0EFE538BB9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FFEE052E-82E3-4F2E-A0B3-D0EFE538BB9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FFEE052E-82E3-4F2E-A0B3-D0EFE538BB9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FFEE052E-82E3-4F2E-A0B3-D0EFE538BB9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
FFEE052E-82E3-4F2E-A0B3-D0EFE538BB9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
FFEE052E-82E3-4F2E-A0B3-D0EFE538BB9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEBC79DE-0822-4AD6-A3E0-920E4B09B2BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest worksheet (No Data) (No Data) (No Data) Not Applicable Complete
AEBC79DE-0822-4AD6-A3E0-920E4B09B2BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.302 HMDA Benchmark Rate 5.110 HMDA Benchmark/APR Variance 6.192 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
AEBC79DE-0822-4AD6-A3E0-920E4B09B2BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 8/XX/2005 Test APR 9.460 HMDA Benchmark Rate 4.530 HMDA Benchmark/APR Variance 4.930 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold by 2.93% (No Data) (No Data) (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
9674CA8E-3B30-4BD2-9422-5A0FD8203C65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6D05883A-9454-471F-8100-54C0CBB0B78F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Total of Payments per the Final TIL is $XXX. Total of Payments per payment stream is $XXX, for a discrepancy of $-.02. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
37582F33-E31B-46A8-A59A-49E4DDB29D2F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
37582F33-E31B-46A8-A59A-49E4DDB29D2F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.473 HMDA Benchmark Rate 4.420 HMDA Benchmark/APR Variance 4.053 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
37582F33-E31B-46A8-A59A-49E4DDB29D2F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
37582F33-E31B-46A8-A59A-49E4DDB29D2F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
37582F33-E31B-46A8-A59A-49E4DDB29D2F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
37582F33-E31B-46A8-A59A-49E4DDB29D2F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
37582F33-E31B-46A8-A59A-49E4DDB29D2F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
097148F4-10DD-40DE-8F91-158F8164CBD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
097148F4-10DD-40DE-8F91-158F8164CBD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.233%, the benchmark APR is 4.860% resulting in a difference of 4.373%. This exceeds the max loan rate/bench mark difference of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
097148F4-10DD-40DE-8F91-158F8164CBD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrowers, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
097148F4-10DD-40DE-8F91-158F8164CBD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
41B1DD47-E375-43EC-9565-8868881B1394 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
41B1DD47-E375-43EC-9565-8868881B1394 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
41B1DD47-E375-43EC-9565-8868881B1394 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
41B1DD47-E375-43EC-9565-8868881B1394 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA1687 Irregular pmt loan; APR overdisclosed > 0.250% No Irregular pmt loan; APR overdisclosed > 0.250% (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8CE8FBED-D6E2-4074-9158-3A2138C7C1C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable A A A A                               Complete
7314DD77-F7C3-4A9A-B1E1-10878CF0D9CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable A A A A                               Complete
3E5BBBF2-2E22-4BDA-AFE0-4A010AEF4D20 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX HI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.630% with HMDA Benchmark Rate of 4.690% causing variance of 5.940% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
3E5BBBF2-2E22-4BDA-AFE0-4A010AEF4D20 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX HI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Pre-Payment Penalty indicates that if the borrower prepayment exceeds 10% during any twelve month period within full in the first 36months, the borrower will pay 5% of the Unpaid Principal Balance. Prepayment penalty exceeds the max allowed of 4.125%. PPP has expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E5BBBF2-2E22-4BDA-AFE0-4A010AEF4D20 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX HI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Pre-Payment Penalty indicates that if the borrower prepayment exceeds 10% during any twelve month period within full in the first 36months, the borrower will pay 5% of the Unpaid Principal Balance. State Maximum is 6 months interest on amount prepaid in 12 months greater than 20% of OPB. Exceeds Maximum allowed. PPP has expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
629F089A-B285-44B2-B596-547BB13AD99D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.062% with HMDA Benchmark Rate of 4.860% causing variance of 7.202% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
629F089A-B285-44B2-B596-547BB13AD99D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Initial TIL dated 1/XX/2007; Application date is 12/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
629F089A-B285-44B2-B596-547BB13AD99D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure dated 1/XX/07; Application date is 12/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
4591145F-561B-4FD6-9E45-A342DB87C207 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.097%; HMDA benchmark rate 4.880%. APR variance of 7.217% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
FEE88DF0-D53E-4E79-AFAF-1F7F2ED8B7D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.638 - HMDA Benchmark Rate 5.260 = HMDA Benchmark/APR Variance 4.378 which exceeds the max HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
FEE88DF0-D53E-4E79-AFAF-1F7F2ED8B7D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
FEE88DF0-D53E-4E79-AFAF-1F7F2ED8B7D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VT (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
42D90166-F496-4FBE-BD68-0D1D2646DDDB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Illegible HUD-1 in file- pg. 2, most fees are illegible. Unable to capture fees for testing. 8/XX/18 - HUD1 provided8/XX/18 - See attached documents. Agree that page 2 of HUD is difficult to read, but there is an itemization of amount financed that is dated and signed at closing that contains the fees that match up to the HUD. 8/XX/18 - HUD1 provided same as HUD1 reviewed for cited exception, legible HUD1 not provided. Exception to remain at this time.8/XX/18 - documents provided reviewed; best effort was made to capture fees from the illegible HUD1 and then to match up where possible. As not all fees may match up, exception to remain at this time. (No Data) Not Applicable Complete
42D90166-F496-4FBE-BD68-0D1D2646DDDB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
42D90166-F496-4FBE-BD68-0D1D2646DDDB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Satisfied D A D A CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form 8/XX/18 - ROR provided. Applicable Statute of Limitation has expired. Final grade B, non-material.8/XX/18 - satisfied. (No Data) Not Applicable Complete
42D90166-F496-4FBE-BD68-0D1D2646DDDB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance; provison not disclosed; PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
39A0F876-51CA-46F4-A7CF-E3004BC71BC7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.334% with HMDA Benchmark Rate of 5.110% causing variance of 7.224% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
39A0F876-51CA-46F4-A7CF-E3004BC71BC7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lenders Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
39A0F876-51CA-46F4-A7CF-E3004BC71BC7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure not dated Application date 07/XX/2006 (No Data) (No Data) (No Data) Not Applicable Complete
A65CB149-9F07-4254-BC53-2E40220B975E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.137%; HMDA benchmark rate 4.540%. APR variance of 6.597% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
E9B7975B-0220-4785-B17F-9534AB2DD2D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.961% with HMDA Benchmark Rate of 5.000% causing variance of 5.961% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
E9B7975B-0220-4785-B17F-9534AB2DD2D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E9B7975B-0220-4785-B17F-9534AB2DD2D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E9B7975B-0220-4785-B17F-9534AB2DD2D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP1151 SC Home Loans -Broker 'Amounts Earned' Disclosure not in file No Missing Broker 'Amounts Earned' Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E9B7975B-0220-4785-B17F-9534AB2DD2D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP1159 SC Home Loans - Designated Agency Disclosure not in file No Missing Designated Agency Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2126F70C-63A4-42FF-ABC5-038D86B3806B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.280 HMDA Benchmark Rate 4.470 HMDA Benchmark/APR Variance 6.810 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No NEW, 8/XX/18 - Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL 8/XX/18 - Final TIL provided. Applicable Statute of Limitation has expired. Final grade B, non-material.8/XX/18 - satisfied (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL 8/XX/18 - Final TIL provided. Applicable Statute of Limitation has expired. Final grade B, non-material.8/XX/18 - satisfied (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Satisfied D A D A CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL 8/XX/18 - Final TIL provided. Applicable Statute of Limitation has expired. Final grade B, non-material. 8/XX/18 - satisfied (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing Final Hud1 8/XX/18 - Final HUD1 provided. 8/XX/18 - satisfied (No Data) Not Applicable Complete
1D235698-937A-46D0-8E84-92B08F3BE733 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Satisfied D A D A CMPROR113 ROR - Missing Right of Rescission form No Missing ROR 8/XX/18 - ROR provided Applicable Statute of Limitation has expired. Final grade B, non-material.8/XX/18 - satisfied (No Data) Not Applicable Complete
C36760BB-8DA2-47A6-A3F6-87C8DF7504B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.117 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 3.427 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
C36760BB-8DA2-47A6-A3F6-87C8DF7504B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C36760BB-8DA2-47A6-A3F6-87C8DF7504B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3406CFA7-48A7-4125-8459-14DBC88C4D8D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.450% with HMDA Benchmark Rate of 5.000% causing variance of 3.450% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
CD46422C-47E1-40E4-A6DC-5B3451B8BCB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
CD46422C-47E1-40E4-A6DC-5B3451B8BCB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Satisfied D A D A CMPDOC1817 Final HUD-1 is incomplete or illegible No HUD1 considered as Incomplete; pg2 charges are not totaled and pg1 amounts are not sub-totaled or totaled. Signed by the borrower. 8/XX/18 - HUD1 provided 8/XX/18 - satisfied. (No Data) Not Applicable Complete
CD46422C-47E1-40E4-A6DC-5B3451B8BCB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
CD46422C-47E1-40E4-A6DC-5B3451B8BCB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CD46422C-47E1-40E4-A6DC-5B3451B8BCB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CD46422C-47E1-40E4-A6DC-5B3451B8BCB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DC7ED662-BF71-4B7F-8663-61F51B6C5F0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DC7ED662-BF71-4B7F-8663-61F51B6C5F0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.159% with HMDA Benchmark Rate of 5.190% causing variance of 3.969% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
DC7ED662-BF71-4B7F-8663-61F51B6C5F0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
143EBA6C-6D42-4673-950F-EC9225F77269 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.801% with HMDA Benchmark Rate of 4.810% causing variance of 3.991% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
143EBA6C-6D42-4673-950F-EC9225F77269 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C9464914-8249-47BB-914D-47289E3BEC45 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.962; HMDA benchmark rate 5.260. APR variance of 3.702 exceeds 3.000 trigger. (No Data) (No Data) (No Data) Not Applicable Complete
79DC5118-9B1B-40A5-9CA3-8BCC839CE0D4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.821 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 4.101 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold by 1.101%. (No Data) (No Data) (No Data) Not Applicable Complete
53D0EE39-D056-4FED-9574-C83635A995C4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.429%, the benchmark APR 5.260% resulting in a difference of 5.169%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
53D0EE39-D056-4FED-9574-C83635A995C4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1299 RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc(Home Loan), Not Signed by Borr Yes XXX Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure not executed by Borrower. 8/XX/18 - Based on loan images provided, agree with exception cited. Disclosure in file but not signed. Lender mailed XXX Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure to borrower and requested the Acknowledgement of Receipt of Information to be signed and returned; however, a signed copy of the acknowledgement was not located in file. See RI Disclosure attachment. 8/XX/18 - Exception to remain at this time. (No Data) Not Applicable Complete
53D0EE39-D056-4FED-9574-C83635A995C4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1301 RI Home Loan-Prohibited Acts of Lenders & Loan Brokers Disc(Home Loan), Not signed by Lender Yes XXX Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure not executed by Lender. 8/XX/18 - Disagree with exception cited. Lender mailed XXX Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure to borrower and requested the Acknowledgement of Receipt of Information to be signed by the borrower and returned. Although borrower did not return the acknowledgement of receipt, the lender did complete a Certificate of Disclosure dated 6/XX/2007 which was signed by Lender. See RI Disclosure attachment. 8/XX/18 - The regulation that supports the law states that fully executed copies must be maintained. Exception to remain at this time. (No Data) Not Applicable Complete
827B39F5-2486-4B06-8DFB-BD153A414A52 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.529% with HMDA Benchmark Rate of 4.690% causing variance of 5.839% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
827B39F5-2486-4B06-8DFB-BD153A414A52 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
827B39F5-2486-4B06-8DFB-BD153A414A52 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale; PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
A36B8560-766E-4188-B567-DA040444BF44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Missing pages 2 and 3. Only pages 1 of 4 and 4 of 4 are in file. (No Data) (No Data) (No Data) Not Applicable Complete
A36B8560-766E-4188-B567-DA040444BF44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.098% with HMDA Benchmark Rate of 4.530% causing variance of 4.568% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
A36B8560-766E-4188-B567-DA040444BF44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.289 HMDA Benchmark Rate 5.0 HMDA Benchmark/APR Variance 4.289 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold by 1.289%. (No Data) (No Data) (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date unknown. (No Data) (No Data) (No Data) Not Applicable Complete
B3012225-24C5-4B87-8EFF-4944268FDC27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A95BB00-998B-4C2E-BC92-749C4B918B5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower,unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
2A95BB00-998B-4C2E-BC92-749C4B918B5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Disclosure not provided within 3 days of Application date. Application date 01/XX/2005. ARM Disclosure dated 02/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
2A95BB00-998B-4C2E-BC92-749C4B918B5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Incorrect Index value used. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A95BB00-998B-4C2E-BC92-749C4B918B5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No Subject loan lender is Princeton Mortgage Corporation. Per HUD, payoff distributed to Sovereign Bank. H-9 form used in error for non-lender to lender refinance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BAA5EB71-15E8-4558-BD95-8AA7AE897A37 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
83BCEA17-65DC-47D7-BD03-4442C550C077 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F1497ABE-402A-42CB-AED4-CFFE738A2239 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable A A A A                               Complete
2A802534-8389-4C10-A9EC-827C56678023 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.937% with HMDA Benchmark Rate of 4.780% causing variance of 3.157% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
2A802534-8389-4C10-A9EC-827C56678023 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No Prepayment penalty prohibited by state; PPP expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
750CFF42-27AC-42D5-8760-ABF845CCC9B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
8FC083FD-E4CC-414B-8620-E4902B9D9139 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.854% with HMDA Benchmark Rate of 4.930% causing variance of 3.924% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
0ED4A7A8-F207-43B4-A64E-FBA53323DBD8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. (No Data) (No Data) (No Data) Not Applicable Complete
0ED4A7A8-F207-43B4-A64E-FBA53323DBD8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0ED4A7A8-F207-43B4-A64E-FBA53323DBD8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
942FB60A-0EC8-42C7-83F0-B2A2E513E55E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.911; HMDA benchmark rate 4.930. APR variance of 3.981 exceeds 3.000 trigger. (No Data) (No Data) (No Data) Not Applicable Complete
6A6C1D4C-E699-4151-8783-AAEADDCE3EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A6C1D4C-E699-4151-8783-AAEADDCE3EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6A6C1D4C-E699-4151-8783-AAEADDCE3EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.575 HMDA Benchmark Rate 5.000 HMDA Benchmark/APR Variance 5.575 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
6A6C1D4C-E699-4151-8783-AAEADDCE3EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A6C1D4C-E699-4151-8783-AAEADDCE3EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A6C1D4C-E699-4151-8783-AAEADDCE3EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. (No Data) (No Data) (No Data) Not Applicable Complete
8DFAA323-6507-4043-8A22-B9F0F073B77A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.968% with HMDA Benchmark Rate of 4.540% causing variance of 5.428% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.727% with HMDA Benchmark Rate of 4.750% causing variance of 4.977% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Allowable ROR Expiration date of 12/XX/2005; disbursement date per file 12/XX/2005. Loan funds were disbursed prior to mandatory rescission period expiration date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34CF38DD-8B4F-40CB-9729-A8099371FC57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No No Prepayment penalty allowed if loan is secured by the borrowers principal residence or second home. PPP is Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D77AC37-1183-4654-A3D6-EDBED2AF516E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.548%, the benchmark APR is 5.260% resulting in a difference of 4.288%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
4F56B89A-AA34-4039-BCEA-6C33E0C8FCA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.858% with HMDA Benchmark Rate of 4.670% causing variance of 3.188% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4F56B89A-AA34-4039-BCEA-6C33E0C8FCA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active N/A B N/A B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed; PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
6B77BE89-205A-490F-A8D7-73F1D54543E4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
6B77BE89-205A-490F-A8D7-73F1D54543E4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
6B77BE89-205A-490F-A8D7-73F1D54543E4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged on lender to lender refinance. (No Data) (No Data) (No Data) Not Applicable Complete
5EC8CAF9-DCC1-47C2-8E2D-230D0A65B061 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KS (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.492 - HMDA Benchmark Rate 5.110 = HMDA Benchmark/APR Variance 5.382 which exceeds the max HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
65CC0C9D-2B9F-4E35-B28E-B27E0F9BB429 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
65CC0C9D-2B9F-4E35-B28E-B27E0F9BB429 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
65CC0C9D-2B9F-4E35-B28E-B27E0F9BB429 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
48DC82C1-15B9-4108-82D6-AF9AADBF64FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
AEBC0E5F-E2EB-44E0-AD57-C4BF6996D184 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
CAD096C9-B096-4869-B428-CE2843068E45 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Disclosure is dated 08/XX/2006, Initial Application is dated 07/XX/2006. ARM Loan Program Disclosure after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
38911481-F911-495C-BA09-AFDC08D46476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Initial TIL not dated. (No Data) (No Data) (No Data) Not Applicable Complete
38911481-F911-495C-BA09-AFDC08D46476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
31748FAD-C40E-47E2-A96D-86389232542C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
098B79A1-52CA-4E6E-A5BB-C1BA032F33CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.928% with HMDA Benchmark Rate of 4.760% causing variance of 3.168% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
098B79A1-52CA-4E6E-A5BB-C1BA032F33CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
098B79A1-52CA-4E6E-A5BB-C1BA032F33CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C C C C Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Missing evidence itemized disclosure of fees was provided prior to closing. (No Data) (No Data) (No Data) Not Applicable Complete
ECEFE5F6-10C0-4BE4-9BE4-F5F0D30C0CB5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.205% with HMDA Benchmark Rate of 4.940% causing variance of 5.265% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
ECEFE5F6-10C0-4BE4-9BE4-F5F0D30C0CB5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No Prepayment penalty prohibited by state; PPP expired 10/XX/2007 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8FE40F95-DCAA-4612-BF6C-7329AC6F7228 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete/Illegible HUD-1 in file- Missing pg. 2. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
8FE40F95-DCAA-4612-BF6C-7329AC6F7228 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Missing date on the ARM Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
8FE40F95-DCAA-4612-BF6C-7329AC6F7228 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8FE40F95-DCAA-4612-BF6C-7329AC6F7228 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8FE40F95-DCAA-4612-BF6C-7329AC6F7228 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8FE40F95-DCAA-4612-BF6C-7329AC6F7228 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8FE40F95-DCAA-4612-BF6C-7329AC6F7228 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No HUD Incomplete, missing page 2 unable to determine funding date. (No Data) (No Data) (No Data) Not Applicable Complete
8FE40F95-DCAA-4612-BF6C-7329AC6F7228 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
214C3E84-43E2-4D57-BF5B-6D960FEF5F93 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
214C3E84-43E2-4D57-BF5B-6D960FEF5F93 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP969 MI Home Loan with Negative Amortization Potential <60 months No MI Home Loan with Negative Amortization Potential <60 months (No Data) (No Data) (No Data) Not Applicable Complete
5CF70F80-B852-4A51-93F4-D494FCDB4409 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 8.509%, the benchmark APR 54.690% resulting in a difference of 3.819%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
65B2236E-4BF1-415D-9158-73158820361E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Disclosure provided more than 3 days from Application date. Application date 03/XX/2005. ARM Disclosure 04/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
81140175-CB75-40E8-95F2-801F779B0BF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Final HUD-1 is incomplete. Used Estimated Closing Statement for fees. (No Data) (No Data) (No Data) Not Applicable Complete
81140175-CB75-40E8-95F2-801F779B0BF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Missing ARM Disclosure dated within 3 days of the Lender Application date of 03/XX/2005 per Lender Credit Report. (No Data) (No Data) (No Data) Not Applicable Complete
81140175-CB75-40E8-95F2-801F779B0BF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
81140175-CB75-40E8-95F2-801F779B0BF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
81140175-CB75-40E8-95F2-801F779B0BF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
81140175-CB75-40E8-95F2-801F779B0BF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
81140175-CB75-40E8-95F2-801F779B0BF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7964CAF5-69D6-41B2-A1A5-B15DC9566CB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application Date 02/XX/2006. ARM Disclosure dated 03/XX/2006. ARM Disclosure not provided within 3 days of Application Date. (No Data) (No Data) (No Data) Not Applicable Complete
7964CAF5-69D6-41B2-A1A5-B15DC9566CB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP109 PPP - Prepayment penalty can be exercised w/in 90 days of rate increase No Prepayment penalty can be exercised w/in 90 days of rate increase. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
3C2DDD5E-94D1-45E4-AD44-516A42FC3AA5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Initial TIL not dated. (No Data) (No Data) (No Data) Not Applicable Complete
3C2DDD5E-94D1-45E4-AD44-516A42FC3AA5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
3C2DDD5E-94D1-45E4-AD44-516A42FC3AA5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
704E0497-DB7D-44D3-9B0D-5793DD4DF038 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Initial TIL not dated. (No Data) (No Data) (No Data) Not Applicable Complete
704E0497-DB7D-44D3-9B0D-5793DD4DF038 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
704E0497-DB7D-44D3-9B0D-5793DD4DF038 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
1832D522-58D4-4C28-9851-1BA4F0CD5DF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1832D522-58D4-4C28-9851-1BA4F0CD5DF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Missing signature on Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1832D522-58D4-4C28-9851-1BA4F0CD5DF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
1832D522-58D4-4C28-9851-1BA4F0CD5DF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A7732152-C1DD-446F-A053-BFC5C6C9F6F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A7732152-C1DD-446F-A053-BFC5C6C9F6F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to confirm delivery. (No Data) (No Data) (No Data) Not Applicable Complete
EFA5C720-872D-4538-B767-681EA64C1E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EFA5C720-872D-4538-B767-681EA64C1E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrowers, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
EFA5C720-872D-4538-B767-681EA64C1E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
EFA5C720-872D-4538-B767-681EA64C1E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
EFA5C720-872D-4538-B767-681EA64C1E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
41D57557-7CEE-41C4-A2C8-CE804E3B0FF8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: 04/XX/2018-1 [The difference between the Sale Price and Loan Amount from the Summaries of Transaction section XXX does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section $XXX. (No Data) (No Data) Numeric Not Applicable Complete
41D57557-7CEE-41C4-A2C8-CE804E3B0FF8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 3/XX/2018-1, CD: 4/XX/2018-1 & CD:04/XX/2018-1 [Last CD], Section: Summaries of Transactions, Field: (1) Missing dates for sewer/water adjustments (No Data) (No Data) Hybrid Not Applicable Complete
41D57557-7CEE-41C4-A2C8-CE804E3B0FF8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Need evidence of change of circumstances letter for Zero tolerance, Title Fee increase, or a copy of a refund check in the amount of $ XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric Not Applicable Complete
7C75A6D6-F65D-427C-8351-6612EF70F971 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 14.211% with HMDA Benchmark Rate 5.100% causing HMDA Benchmark/APR Variance 9.111% which exceeds HMDA Rate Spread Trigger 5.000 (No Data) (No Data) (No Data) Not Applicable Complete
3B3E3219-E277-4754-B8D3-EF74B5DE3F2C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
4AB24730-5768-4CFD-A570-866295B456C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
DDFB263C-7630-477F-9AD9-97359AF13D1A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0148A1F7-F4C8-4EE8-AA59-A5392AE90881 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0148A1F7-F4C8-4EE8-AA59-A5392AE90881 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
504C7BA3-7786-4201-BB45-9F67BDA445E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No 3/XX/06 HELOC Early Disclosure not provided within 3 business days of 6/XX/04 application. (No Data) (No Data) (No Data) Not Applicable Complete
504C7BA3-7786-4201-BB45-9F67BDA445E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate. (No Data) (No Data) (No Data) Not Applicable Complete
504C7BA3-7786-4201-BB45-9F67BDA445E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No 3/XX/06 HELOC Early Disclosure not provided within 3 business days of 6/XX/04 application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4FE7FFE-93E0-4D8A-AF29-744106A09172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
F4FE7FFE-93E0-4D8A-AF29-744106A09172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No Missing Note. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4FE7FFE-93E0-4D8A-AF29-744106A09172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4FE7FFE-93E0-4D8A-AF29-744106A09172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C9AAD464-2DD5-49AD-8538-F4F9C8962553 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable A A A A                               Complete
39586158-8A49-425B-B906-1D9612A43BF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39586158-8A49-425B-B906-1D9612A43BF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
39586158-8A49-425B-B906-1D9612A43BF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
39586158-8A49-425B-B906-1D9612A43BF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39586158-8A49-425B-B906-1D9612A43BF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39586158-8A49-425B-B906-1D9612A43BF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
39586158-8A49-425B-B906-1D9612A43BF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD1. (No Data) (No Data) (No Data) Not Applicable Complete
39586158-8A49-425B-B906-1D9612A43BF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
33F04CE2-4C66-4259-8DC4-3D2EE0DA4224 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Late Charges Active B B B B CMPSLC1129 Late Charge amount exceeds regulatory limits No Late Charge per HELOC Agreement is $25.00 if the payment is more than 10 days late. State of MI regulatory limit is $15.00. Late Charge amount exceeds regulatory limit. (No Data) (No Data) (No Data) Not Applicable Complete
33F04CE2-4C66-4259-8DC4-3D2EE0DA4224 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No Early Termination Prepayment Fee per HELOC Agreement is $300.00 if the account is canceled within the first 3 years. Prepayment penalty prohibited by state of MI. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C06B56E8-8FE3-441B-A932-6955C21C9FB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.765% with HMDA Benchmark Rate of 4.560% causing variance of 5.205% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
C06B56E8-8FE3-441B-A932-6955C21C9FB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C06B56E8-8FE3-441B-A932-6955C21C9FB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C06B56E8-8FE3-441B-A932-6955C21C9FB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FC059EC2-C647-4678-A39C-9CE0F66B57C4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.846% with HMDA Benchmark Rate of 4.830% causing variance of 4.016% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
FC059EC2-C647-4678-A39C-9CE0F66B57C4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FC059EC2-C647-4678-A39C-9CE0F66B57C4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
947BB92E-30D8-43C9-A6EA-A972E1069BB9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.233% with HMDA Benchmark Rate of 4.930% causing variance of 6.303% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
947BB92E-30D8-43C9-A6EA-A972E1069BB9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
9DE612F2-D3E6-4D07-B69D-20F4214373A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
9DE612F2-D3E6-4D07-B69D-20F4214373A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
89D1A328-C1FB-455F-BA1E-3A201752C8B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
7EEF5BB3-BCCE-4B6A-908F-16F20803D7B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure not dated (No Data) (No Data) (No Data) Not Applicable Complete
509F2EF5-4512-4585-A693-5E01E81D9491 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing final HUD-1- Estimated HUD1 only in file. Fees captured from Estimate. (No Data) (No Data) (No Data) Not Applicable Complete
509F2EF5-4512-4585-A693-5E01E81D9491 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.573 HMDA Benchmark Rate 4.880 HMDA Benchmark/APR Variance 3.693 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
509F2EF5-4512-4585-A693-5E01E81D9491 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Final HUD missing Fees captured from Estimate. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
72752B0E-2357-4668-B545-E74BD7B70A05 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure dated 06/XX/2007; Application date is 06/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
72752B0E-2357-4668-B545-E74BD7B70A05 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
58D1088E-7C0A-461B-8728-4B763B65CF1B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.081%, the benchmark APR is 4.940% resulting in a difference of 6.141%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
58D1088E-7C0A-461B-8728-4B763B65CF1B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date 10/XX/2006. ARM Disclosure dated 11/XX/2006. Disclosure not given within 3 days of Application. (No Data) (No Data) (No Data) Not Applicable Complete
687D0F19-C3CF-462A-9EAF-51165D11CE81 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
4800E052-0AAB-4E83-A2B3-C55BF60FF996 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.006% with HMDA Benchmark Rate of 5.000% causing variance of 3.006% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
4800E052-0AAB-4E83-A2B3-C55BF60FF996 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4800E052-0AAB-4E83-A2B3-C55BF60FF996 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX. Per XXX paystream calculations, finance charges are $XXX. Finance charges understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4AC444B3-B5BD-484D-9673-D7D99A7B98B6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
C36697A6-29CB-48E1-96F3-46F84C1EACBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
C36697A6-29CB-48E1-96F3-46F84C1EACBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D5D27D1D-8E2E-46C9-B940-7FE4378BD23E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.398% with HMDA Benchmark Rate 4.530% causing HMDA Benchmark/APR Variance 3.868% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
6686A738-13CA-456F-B2F9-0557193A0E39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI cert. (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
6686A738-13CA-456F-B2F9-0557193A0E39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No The legal documents reflect no middle name for the loan officer, the NMLS registry reflects a full middle name. (No Data) (No Data) (No Data) Not Applicable Complete
5D1231E8-5363-4A4D-9A94-B98E51168F37 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No NMLS reflects a middle initial, legal documents in file do not reflect a middle initial or middle name (No Data) (No Data) (No Data) Not Applicable Complete
6812222D-DC41-4243-A525-AF94E887E7E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing mortgage insurance certificate (No Data) (No Data) (No Data) Not Applicable Complete
6812222D-DC41-4243-A525-AF94E887E7E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9F3E8BBB-9EAF-4C4E-A666-AD88D6806FAF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
D80115C8-AAD1-4A13-8D25-EC4F469C5C6A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
67B304A0-7BAC-406C-A621-99C6A8D168CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
C17F32E7-81BE-4793-91B7-9175F1BD4510 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing lender's initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
C17F32E7-81BE-4793-91B7-9175F1BD4510 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5803481C-3605-4BC5-A851-9E00B410F709 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
18993A8C-BBC9-49C4-9493-43A625E93BAB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
00663F92-A581-4182-B252-0E976F2DA997 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
45E582CA-2A40-429C-AC2A-19F5A8FC1C56 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
45E582CA-2A40-429C-AC2A-19F5A8FC1C56 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A C N/A C CMPDOC101 Unresolved title issue Yes Final Title Policy still shows the Prior Mortgage to XXX, which was paid on the HUD-1. This would put transaction loan in 2nd lien position. (No Data) (No Data) (No Data) Not Applicable Complete
45E582CA-2A40-429C-AC2A-19F5A8FC1C56 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D622E9F2-4F4D-4F0C-A7D3-EF94D19DF507 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
4121626F-1BFC-4D00-9F14-69870625CB62 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E8291B91-2E8D-4D71-95D7-D56B90F2322A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
9296E9E5-D284-44F8-9455-1E4395F2936E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL disclosed Finance Charge $XXX. Paystream Finance Charge $XXX. Difference of $XXX exceeds maximum tolerance of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EEE3CB99-E60F-4B80-B16B-0025914B6933 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.749; HMDA benchmark rate 4.200. APR variance of 3.549 exceeds 3.000 trigger. (No Data) (No Data) (No Data) Not Applicable Complete
EEE3CB99-E60F-4B80-B16B-0025914B6933 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
91245634-865D-466D-8F58-8E90F09C81D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.870 HMDA Benchmark Rate 4.560 HMDA Benchmark/APR Variance 3.310 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
7BBBEE19-A4E5-4B98-8C7E-149D8B5B21CF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.164% with HMDA Benchmark Rate of 5.110% causing variance of 3.054% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
7BBBEE19-A4E5-4B98-8C7E-149D8B5B21CF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
52F46F0F-AABF-47B0-AC8C-2A234C1D931F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP1536 PPP - Prepayment penalty exercised upon acceleration No Prepayment penalty exercised upon acceleration. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
C411C947-FDE8-4596-9A50-3865F62F371B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable A A A A                               Complete
77ED6B66-303E-46EB-8D6C-DEA0B82B8FB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX; due to incorrect index value by lender's TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
77ED6B66-303E-46EB-8D6C-DEA0B82B8FB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Allowable ROR Expiration date of 5/XX/2005; disbursement date per file 5/XX/2005. Loan funds were disbursed prior to mandatory rescission period expiration date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
77ED6B66-303E-46EB-8D6C-DEA0B82B8FB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No PPP months interest 8.477% exceeds the max allowed of 4.247%. PPP is Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
77ED6B66-303E-46EB-8D6C-DEA0B82B8FB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Pre-Payment Penalty indicates that if the borrower prepays the balance in full in years 3, 2, 1, the borrower will pay 3%, 2%, 1% of the Original Principal Balance. Prepayment penalty allowed: 1-4 unit, owner occupied properties, prepayment within 5 years. The amount cannot exceed 6 months interest on any amount prepaid in any 12 month period in excess of 20% of OPB. PPP is Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4D1E266-5990-4E33-B1FF-40AB558E1043 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable A A A A                               Complete
84504DB3-4A10-4574-9172-3CBCB2DF2BD7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.721% with HMDA Benchmark Rate of 4.350% causing variance of 4.371% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
84504DB3-4A10-4574-9172-3CBCB2DF2BD7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1251DA95-BB58-45CC-A991-83FA43CDD27A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.142% with HMDA Benchmark Rate of 4.530% causing variance of 4.612% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
1251DA95-BB58-45CC-A991-83FA43CDD27A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
386C6DE3-99DB-4F42-8414-AA01AF8B6A62 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
E6BAEB05-028E-4610-870D-7150E5F69D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E6BAEB05-028E-4610-870D-7150E5F69D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.104 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 5.414 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
E6BAEB05-028E-4610-870D-7150E5F69D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
E6BAEB05-028E-4610-870D-7150E5F69D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E6BAEB05-028E-4610-870D-7150E5F69D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E6BAEB05-028E-4610-870D-7150E5F69D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E6BAEB05-028E-4610-870D-7150E5F69D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E6BAEB05-028E-4610-870D-7150E5F69D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD1. (No Data) (No Data) (No Data) Not Applicable Complete
2A7C4924-059F-4A14-A65E-21E46688190E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Exempt ATR Risk: Non-QM - Lender did not document all ATR UW factors A C A C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination. Lender XXX indicates status as Exempt however loan was repurchased from XXX housing authority and the XXX of $XXX was refunded. (No Data) (No Data) (No Data) Not Applicable Complete
2A7C4924-059F-4A14-A65E-21E46688190E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Exempt ATR Risk: Non-QM - Lender did not document all ATR UW factors A C A C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to borrower leaving job on 12/XX/17. Documentation of job change not provided. (No Data) (No Data) (No Data) Not Applicable Complete
80E5CB42-7F4D-47EA-8422-F76779449E1B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
80E5CB42-7F4D-47EA-8422-F76779449E1B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
E3D1EBC6-7897-4377-B3B5-0BAFC7992FC9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL disclosed finance charges of $XXX and XXX calculated finance charges of $XXX resulting in understated finance charges of $XXX. Missing itemization of fees, unable to determine cause (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5E9067F6-E26F-44D1-9051-52E916A44CF8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
D65AB829-B053-4825-89ED-C0EE399EB04D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
70CC47C0-A9E3-46C2-9563-A148E875FBA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
AAAFECBE-73AA-4A6C-A3D3-ABE616FCE6B8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable A A A A                               Complete
A0EB5C08-1E95-49A9-A0A7-4F6483EE6723 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges at $XXX, XXX pay stream reflects $XXX for an under disclosed difference of $XXX. . (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1F1C6544-9E62-4ECB-9881-2EBA26CA49AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Lender status is XXX; XXX status is Lender did not documented all ATR UW factors due to DTI 62.44%. Lender omitted debt of $420.00. DU required proof paid in full or add debt to DTI. (No Data) (No Data) (No Data) Not Applicable Complete
1F1C6544-9E62-4ECB-9881-2EBA26CA49AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors. Lender omitted debt of $420 a month from DTI. Missing proof paid in full as required per DU or Debt to be add to borrower DTI. (No Data) (No Data) (No Data) Not Applicable Complete
1F1C6544-9E62-4ECB-9881-2EBA26CA49AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Per data tape, this loan is not insured. Final grade B. (No Data) (No Data) (No Data) Not Applicable Complete
1F1C6544-9E62-4ECB-9881-2EBA26CA49AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No NMLS License verification did not list loan originator middle initial only full middle name. (No Data) (No Data) (No Data) Not Applicable Complete
4977A0BD-D981-40FE-96E5-0AC8FECB6CB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State of Ohio prohibits PPP on lender to lender refinances, which was not disclosed. PP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
B825678E-EF35-48F9-B5F9-A4947CD40422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX HMDA Benchmark Rate XXX HMDA Benchmark/APR Variance XXX HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B825678E-EF35-48F9-B5F9-A4947CD40422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No PPP expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5E398EC0-605A-4263-B5F9-B5DCE684AFD8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 3/XX/2006 Test APR 11.785 HMDA Benchmark Rate 4.750 HMDA Benchmark/APR Variance 7.035 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
5E398EC0-605A-4263-B5F9-B5DCE684AFD8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7EE7C135-A698-4A3F-B3A8-0F37B126BA06 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.747% with HMDA Benchmark Rate of 4.350% causing variance of 7.397% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
7EE7C135-A698-4A3F-B3A8-0F37B126BA06 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
50DE8131-AA98-4F49-9D64-A4AC4C3BC1F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.780 HMDA Benchmark Rate 4.280 HMDA Benchmark/APR Variance 7.500 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
50DE8131-AA98-4F49-9D64-A4AC4C3BC1F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
50DE8131-AA98-4F49-9D64-A4AC4C3BC1F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Total of Payments is $XXX and Total Payments as Calculated is $XXX for difference of $0.03 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B57E2519-41A2-406E-99E0-3B4DB665C211 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX MI cert (No Data) (No Data) (No Data) Not Applicable Complete
B57E2519-41A2-406E-99E0-3B4DB665C211 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B9E5D3F9-0721-427E-8DF0-3383A4BC0972 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.417 HMDA Benchmark Rate 4.710 HMDA Benchmark/APR Variance 5.707 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
63A00701-5ADE-41ED-8F49-C8A357FF117B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A A A A                               Complete
EEDB7E15-ADB5-4AAA-94DB-82A7618F441F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
EEDB7E15-ADB5-4AAA-94DB-82A7618F441F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EEDB7E15-ADB5-4AAA-94DB-82A7618F441F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EEDB7E15-ADB5-4AAA-94DB-82A7618F441F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
EEDB7E15-ADB5-4AAA-94DB-82A7618F441F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD1; no estimate in file. 5/XX/18 - [GS: 2018.XX.14] Loan is not subject to federal or state high cost laws. 5/XX/18 - Reported as: Not Subject to Predatory Testing (No Data) Not Applicable Complete
2C84EEB8-DF1D-4450-9619-05319CFE4A66 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
2C84EEB8-DF1D-4450-9619-05319CFE4A66 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
2C84EEB8-DF1D-4450-9619-05319CFE4A66 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F5254F8-7B77-4408-8510-4AB4FFD76786 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F5254F8-7B77-4408-8510-4AB4FFD76786 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5F5254F8-7B77-4408-8510-4AB4FFD76786 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F5254F8-7B77-4408-8510-4AB4FFD76786 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F5254F8-7B77-4408-8510-4AB4FFD76786 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F5254F8-7B77-4408-8510-4AB4FFD76786 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
5F5254F8-7B77-4408-8510-4AB4FFD76786 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
5F5254F8-7B77-4408-8510-4AB4FFD76786 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C169A162-1560-4D2A-9280-92BE21D9696C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.010% with HMDA Benchmark Rate of 4.590% causing variance of 4.420% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
FF950C9F-69CE-4379-A4B2-6F1D1DF1EC4E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable A A A A                               Complete
CC05B096-DEFC-45EF-A2DE-FBDBAA55C062 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.208 HMDA Benchmark Rate 4.810 HMDA Benchmark/APR Variance 4.398 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
CC05B096-DEFC-45EF-A2DE-FBDBAA55C062 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CC05B096-DEFC-45EF-A2DE-FBDBAA55C062 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
BCB5B3F2-4290-47CC-82EC-0AD5B817E02D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BCB5B3F2-4290-47CC-82EC-0AD5B817E02D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
BCB5B3F2-4290-47CC-82EC-0AD5B817E02D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
BCB5B3F2-4290-47CC-82EC-0AD5B817E02D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
BCB5B3F2-4290-47CC-82EC-0AD5B817E02D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BCB5B3F2-4290-47CC-82EC-0AD5B817E02D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
BCB5B3F2-4290-47CC-82EC-0AD5B817E02D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
9C8A5907-C262-4DD7-B64F-DB2C00071B05 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL Not dated. (No Data) (No Data) (No Data) Not Applicable Complete
F0C58B7A-9A8F-4B55-80B2-A3FE1A554B1F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F0C58B7A-9A8F-4B55-80B2-A3FE1A554B1F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.989%, HMDA Benchmark Rate 4.580%, HMDA Benchmark/APR Variance 5.409%, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
F0C58B7A-9A8F-4B55-80B2-A3FE1A554B1F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
F0C58B7A-9A8F-4B55-80B2-A3FE1A554B1F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
F0C58B7A-9A8F-4B55-80B2-A3FE1A554B1F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A6C9492-2553-47B6-BD86-D2C2FF3F98AF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.321 HMDA Benchmark Rate 5.190 HMDA Benchmark/APR Variance 4.131 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
681E32E3-7B91-453B-9D6A-1881582815C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No iNITIAL til NOT DATED. (No Data) (No Data) (No Data) Not Applicable Complete
681E32E3-7B91-453B-9D6A-1881582815C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed (No Data) (No Data) (No Data) Not Applicable Complete
681E32E3-7B91-453B-9D6A-1881582815C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
BF9AC351-1053-44D7-BEBC-50BFF5C0B0CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed or dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
BF9AC351-1053-44D7-BEBC-50BFF5C0B0CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not signed or dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
50B37A59-36E8-4BCB-9E7C-AC6BBBA74685 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No MA Borrower Interest; Worksheet missing. (No Data) (No Data) (No Data) Not Applicable Complete
50B37A59-36E8-4BCB-9E7C-AC6BBBA74685 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed or dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
50B37A59-36E8-4BCB-9E7C-AC6BBBA74685 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not signed or dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
1FF510D1-6197-494E-AB70-34E71CD570D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
1FF510D1-6197-494E-AB70-34E71CD570D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
05F30471-2DC8-4540-9986-9888558E95F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
05F30471-2DC8-4540-9986-9888558E95F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
05F30471-2DC8-4540-9986-9888558E95F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
5A0C562C-C2C5-4382-8519-D249C1E86DE6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed (No Data) (No Data) (No Data) Not Applicable Complete
5A0C562C-C2C5-4382-8519-D249C1E86DE6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
581A9A0E-5402-4C8D-A4FB-3321C635C8EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
581A9A0E-5402-4C8D-A4FB-3321C635C8EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
581A9A0E-5402-4C8D-A4FB-3321C635C8EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
19C3CCF8-177C-4D2A-8B2C-348DD60E5D0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed by Borrower(s). (No Data) (No Data) (No Data) Not Applicable Complete
19C3CCF8-177C-4D2A-8B2C-348DD60E5D0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by Borrower(s). (No Data) (No Data) (No Data) Not Applicable Complete
677E9743-336E-4570-A8DA-83A1AD57124C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 8/XX/2005 Test APR 7.544 HMDA Benchmark Rate 4.530 HMDA Benchmark/APR Variance 3.014 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold by .014% (No Data) (No Data) (No Data) Not Applicable Complete
677E9743-336E-4570-A8DA-83A1AD57124C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance; provision not disclosed. PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
14894D8B-09DC-4F63-A187-5D90BD1F2F35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed. (No Data) (No Data) (No Data) Not Applicable Complete
14894D8B-09DC-4F63-A187-5D90BD1F2F35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
15DBA773-F970-464F-B095-92410C73E430 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
15DBA773-F970-464F-B095-92410C73E430 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No PPP per Note Addendum is 5.0% of the OPB. State Max penalty is 6 months interest. At an original Note rate of 7.490% per year, 6 months maximum calculates to 3.745% OPB. The 5.0% OPB PPP exceeds the State max of 3.745%. PPP has since expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
15DBA773-F970-464F-B095-92410C73E430 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No PPP per Note Addendum is 5.0% of the OPB. State Max penalty is 6 months interest. At an original Note rate of 7.490% per year, 6 months maximum calculates to 3.745% OPB. The 5.0% OPB PPP exceeds the State max of 3.745%. PPP has since expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A516F892-54F6-4D95-BA3F-6EDD8C8C5DF4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable A A A A                               Complete
BA96A52B-299F-4D1A-BD17-97C81ED2663D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement date, Cannot determine if funding date is after rescission period. (No Data) (No Data) (No Data) Not Applicable Complete
ED4DD72C-81E3-43AB-A423-3BC5FAE3E9B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1, Note or Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
8B4767DC-95EC-4204-B12F-AE57661BC170 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8B4767DC-95EC-4204-B12F-AE57661BC170 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed by Borrower(s). (No Data) (No Data) (No Data) Not Applicable Complete
8B4767DC-95EC-4204-B12F-AE57661BC170 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by Borrower(s). (No Data) (No Data) (No Data) Not Applicable Complete
8B4767DC-95EC-4204-B12F-AE57661BC170 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
8B4767DC-95EC-4204-B12F-AE57661BC170 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
8B4767DC-95EC-4204-B12F-AE57661BC170 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CFA55938-3225-4680-B380-856D414D1314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 8/XX/2004 Test APR 9.582 HMDA Benchmark Rate 5.020 HMDA Benchmark/APR Variance 4.562 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
CFA55938-3225-4680-B380-856D414D1314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CFA55938-3225-4680-B380-856D414D1314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CFA55938-3225-4680-B380-856D414D1314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CFA55938-3225-4680-B380-856D414D1314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date not found. (No Data) (No Data) (No Data) Not Applicable Complete
7BF90F07-9DCF-47C0-87CA-444D4DE0FC6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7BF90F07-9DCF-47C0-87CA-444D4DE0FC6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7BF90F07-9DCF-47C0-87CA-444D4DE0FC6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7BF90F07-9DCF-47C0-87CA-444D4DE0FC6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7BF90F07-9DCF-47C0-87CA-444D4DE0FC6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
7BF90F07-9DCF-47C0-87CA-444D4DE0FC6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
7BF90F07-9DCF-47C0-87CA-444D4DE0FC6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A79DE5B5-E857-4866-8795-92A27C6A60C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Cannot determine timely delivery of Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
A79DE5B5-E857-4866-8795-92A27C6A60C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL is not executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A79DE5B5-E857-4866-8795-92A27C6A60C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A79DE5B5-E857-4866-8795-92A27C6A60C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Sum of payments per Final TIL $XXX, sum of payments per payment stream $533,840.76, variance $4.32 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2C05D837-023E-4CC2-B61F-99DF12C4BF14 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
42B535DD-BD70-452B-BF89-3975DCBF1F17 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds. PPP is Expired. (No Data) (No Data) (No Data) Not Applicable Complete
DF2BAF13-0C5E-4534-B9E2-D0F2B5BB6AAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 7/XX/2006 Test APR 9.218 HMDA Benchmark Rate 5.110 HMDA Benchmark/APR Variance 4.108 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold by 1.108%. (No Data) (No Data) (No Data) Not Applicable Complete
DF2BAF13-0C5E-4534-B9E2-D0F2B5BB6AAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance; provision not disclosed. PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
F3614521-F484-4086-98CA-B56828A2894C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date 9/XX/2005, ARM Disclosure in file Dated 12/XX/2005. Lender ARM Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
329FB9C7-4962-4B37-8BC6-91D07A6703F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
329FB9C7-4962-4B37-8BC6-91D07A6703F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.114% with HMDA Benchmark Rate of 5.190% causing variance of 4.924% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
329FB9C7-4962-4B37-8BC6-91D07A6703F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
B9FCD838-FB6B-4DE8-8551-70617F46201E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B9FCD838-FB6B-4DE8-8551-70617F46201E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.910% with HDMA bench mark rate of 5.230% causing variance of 4.680% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
B9FCD838-FB6B-4DE8-8551-70617F46201E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges $XXX charge $XXX per payment stream causing $XXX finance charge underdisclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B9FCD838-FB6B-4DE8-8551-70617F46201E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
DB0B6468-2D0E-4668-BACF-134447739CFF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 and Note/Final TIL missing from file. (No Data) (No Data) (No Data) Not Applicable Complete
5BD0D527-F742-4F97-9058-81D8FB89CD56 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E79CC2A-0BD7-431C-8CBE-CD3757BFD358 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
44384B2C-0B54-4F7B-9A80-15B68D1F71F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.982% with HMDA Benchmark Rate 4.910% causing HMDA Benchmark/APR Variance 6.072% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
44384B2C-0B54-4F7B-9A80-15B68D1F71F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
9DDD4D1F-7908-43DF-AFB0-61D673263787 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.842 HMDA Benchmark Rate 4.550 HMDA Benchmark/APR Variance 4.292 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
9DDD4D1F-7908-43DF-AFB0-61D673263787 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date 2/XX/2005, ARM Disclosure dated 2/XX/2005. Lender ARM Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
A83FF975-49F5-42B7-9415-86346659EFE9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.944 HMDA Benchmark Rate 4.760 HMDA Benchmark/APR Variance 6.184 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
E615940D-BCF0-4D58-B0E0-251420E5E6DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.168% with HDMA bench mark rate of 4.750% causing variance of 4.418% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
E615940D-BCF0-4D58-B0E0-251420E5E6DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Lender application date is 12/XX/2005; ARM Loan Program Disclosure is dated 1/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
E615940D-BCF0-4D58-B0E0-251420E5E6DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance; provison not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
2A488A67-D027-4CC1-9A22-47C98494F2BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.796% with HMDA Benchmark Rate of 5.110% causing variance of 5.686% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
83AED0AE-1C4E-4D49-9746-AB25683625A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.428%, the benchmark APR is 4.860% resulting in a difference 5.568%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
56951049-D718-4159-80BD-A660FA80FA15 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed. (No Data) (No Data) (No Data) Not Applicable Complete
56951049-D718-4159-80BD-A660FA80FA15 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C72374B2-4D32-46B3-8903-DA1D33A3637C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C72374B2-4D32-46B3-8903-DA1D33A3637C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1307 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated No Missing RI Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C72374B2-4D32-46B3-8903-DA1D33A3637C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP1297 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file Yes Missing RI Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
DDC31EF0-678B-4400-A5E2-A17EB5A3CDC7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DDC31EF0-678B-4400-A5E2-A17EB5A3CDC7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DDC31EF0-678B-4400-A5E2-A17EB5A3CDC7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9B61C80F-657B-4276-95AF-E93E128DA6BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
4202C466-6554-46CD-B4B2-7BAA7CCE60B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.368% with HMDA Benchmark Rate of 4.880% causing variance of 4.488% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4202C466-6554-46CD-B4B2-7BAA7CCE60B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date (No Data) (No Data) (No Data) Not Applicable Complete
4202C466-6554-46CD-B4B2-7BAA7CCE60B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1129 Late Charge amount exceeds regulatory limits No Late Charge amount exceeds regulatory limits.Note amount is $XXX & MD amount is $2.00. (No Data) (No Data) (No Data) Not Applicable Complete
4202C466-6554-46CD-B4B2-7BAA7CCE60B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1131 Late Charges - Grace Period not adequate under state law No Grace Period not adequate under state law.Note percent id 10% & MD percent is 15%. (No Data) (No Data) (No Data) Not Applicable Complete
E7362113-4FFB-409C-AFD5-FB70B0394586 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.595 HMDA Benchmark Rate 4.540 HMDA Benchmark/APR Variance 5.055 HMDA Rate Spread Trigger 3.00 (No Data) (No Data) (No Data) Not Applicable Complete
E7362113-4FFB-409C-AFD5-FB70B0394586 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date (No Data) (No Data) (No Data) Not Applicable Complete
EF4CC563-D720-4667-8DDF-871F89A4A884 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 8.149%, the benchmark APR is 4.590% resulting in a difference 3.559%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
53FA045A-FF00-49CC-A642-164C321ECF78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 5/XXX/2006 Test APR 10.465 HMDA Benchmark Rate 5.260 HMDA Benchmark/APR Variance 5.205 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
CC864DAD-89FE-46F3-A388-17937BE0FE24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
29670ACD-20E0-40D1-81D1-8CA9C8D65FE6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date 9/XX/2007 Test APR 9.885 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 5.165 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
29670ACD-20E0-40D1-81D1-8CA9C8D65FE6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
29670ACD-20E0-40D1-81D1-8CA9C8D65FE6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing funding date. (No Data) (No Data) (No Data) Not Applicable Complete
FD3F9516-7616-4203-945F-652E42027AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP2105 TILA - Cannot determine the delivery date of the Final TIL No Final TIL not dated. (No Data) (No Data) (No Data) Not Applicable Complete
FD3F9516-7616-4203-945F-652E42027AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed (No Data) (No Data) (No Data) Not Applicable Complete
FD3F9516-7616-4203-945F-652E42027AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated. (No Data) (No Data) (No Data) Not Applicable Complete
FD3F9516-7616-4203-945F-652E42027AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Final TIL not dated (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FD3F9516-7616-4203-945F-652E42027AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
AC3CD1E7-B18E-43CB-992A-95C22E119CC1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower (No Data) (No Data) (No Data) Not Applicable Complete
AC3CD1E7-B18E-43CB-992A-95C22E119CC1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
AC15C7C9-09C6-471A-B2CE-634EBA4CFEEB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable A A A A                               Complete
8B43F62E-46AA-4F65-9E1E-88E4FA91CA49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.706% with HMDA Benchmark Rate of 4.720% causing variance of 5.986% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
8B43F62E-46AA-4F65-9E1E-88E4FA91CA49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
8B43F62E-46AA-4F65-9E1E-88E4FA91CA49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Prepayment penalty exceeds maximum allowed (months interest). PPP per Note is 6 months interest. PPP has expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DCD62B5F-16AB-4A6F-854F-2AAD5EA68620 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
88865343-9070-4188-BE4A-1A17606ACAE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable A A A A                               Complete
313B6390-5AEF-45DF-BE04-ACB63C991423 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
8A476227-D6C2-4057-B086-82A08B32841B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No MA Borrower Interest; Worksheet missing (No Data) (No Data) (No Data) Not Applicable Complete
8A476227-D6C2-4057-B086-82A08B32841B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.296 HMDA Benchmark Rate 4.220 HMDA Benchmark/APR Variance 7.076 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
0653A7DA-DD54-4192-9D5D-065D56A6A422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
0653A7DA-DD54-4192-9D5D-065D56A6A422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
610662B8-BD71-4D8F-AD95-7B53C12BD2BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated $XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
610662B8-BD71-4D8F-AD95-7B53C12BD2BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8E2AAE0F-2C5A-4997-B13E-F388BF7FB4F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
8E2AAE0F-2C5A-4997-B13E-F388BF7FB4F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 02/XX/2008, ARM Program Disclosure in file dated 02/XX/2008. ARM Program Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
8E2AAE0F-2C5A-4997-B13E-F388BF7FB4F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Total of Payments is $XXX (e). XXX calculation for Total of Payments is $XXX. Loan is a construction perm and TIL does not include interest only period on the Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6C919B8C-DC48-4A91-8702-30D51CED62A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6C919B8C-DC48-4A91-8702-30D51CED62A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6C919B8C-DC48-4A91-8702-30D51CED62A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6C919B8C-DC48-4A91-8702-30D51CED62A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6C919B8C-DC48-4A91-8702-30D51CED62A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7731DBC3-9F62-4078-B93B-8C85D38506EA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
7731DBC3-9F62-4078-B93B-8C85D38506EA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
7731DBC3-9F62-4078-B93B-8C85D38506EA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E78136AD-F2A3-4364-ACA0-DD168EF46146 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date 12/XX/2006, ARM Disclosure in file Dated 1/XX/2007. Lender ARM Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
51E7E823-C07F-4802-9789-ECFF60D073D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Missing signature on Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
51E7E823-C07F-4802-9789-ECFF60D073D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
8F3872E3-5EED-45C7-93B0-C4DE084FD931 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.660% with HDMA bench mark rate of 4.940% causing variance of 3.720% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
8F3872E3-5EED-45C7-93B0-C4DE084FD931 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
8F3872E3-5EED-45C7-93B0-C4DE084FD931 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Prepayment penalty type % of amount UPB exceeds maximum allowed 2% of amount prepaid. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9BE15943-5041-4DEE-A5BD-7EDF7ED3CFD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.037% with HMDA Benchmark Rate 4.690% causing HMDA Benchmark/APR Variance 5.347% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
9BE15943-5041-4DEE-A5BD-7EDF7ED3CFD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 and/or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
8EBEA1EB-D6BF-4643-93D7-4AB962A63F51 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.175% with HMDA Benchmark Rate of 5.270% causing variance of 5.905% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
8EBEA1EB-D6BF-4643-93D7-4AB962A63F51 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
F73E3344-4E1E-47AF-9F70-0DDB10B51C29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.579% with HMDA Benchmark Rate of 4.910% causing variance of 4.669% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D465497B-74C3-45C8-AA1E-82E859610597 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
4C9944C0-08EE-4069-A276-448E2D11AF57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.324%, the benchmark APR is 4.580% resulting in a difference 4.744%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
10698A3A-AFE2-4949-8CA3-A598C43C622D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.337% with HMDA Benchmark Rate of 4.420% causing variance of 6.917% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
7CFA9C33-D2E0-45A4-AC3F-8399134437E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.768%, the benchmark APR is 4.790 % resulting in a difference of 6.978%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
8DD004EF-6AD5-4F35-A414-6ED0B64657E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 12/XX/2004; disbursement date per file 12/XX/2004. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
8DD004EF-6AD5-4F35-A414-6ED0B64657E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
8DD004EF-6AD5-4F35-A414-6ED0B64657E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Allowable ROR Expiration date of 12/XX/2004; disbursement date per file 12/XX/2004. Loan funds were disbursed prior to mandatory rescission period expiration date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ACD778D5-9CEC-410B-BA39-1201F95AAF89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.140% with HMDA Benchmark Rate of 4.760% causing variance of 3.380% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
ACD778D5-9CEC-410B-BA39-1201F95AAF89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 01/XX/2005, ARM Program Disclosure in file dated 01/XX/2005. ARM Program Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
F6BA9CAE-5D7F-475C-BE9A-A17113E0144E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.322% with HMDA Benchmark Rate of 4.930% causing variance of 4.392% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
FE58CF0E-3020-4464-81EF-619629CE8966 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC3280 One or more Applications in file are incomplete No Application is incomplete and missing all pages except page 1. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FE58CF0E-3020-4464-81EF-619629CE8966 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge per TIL is $XXX, actual finance charge calculation is $XXX per payment stream, causing an understatement of $102.79. Issue caused by inadequate P&I of $2243.01.Amortized P&I is $2243.09. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0858C45D-639B-4AED-8885-2D21BF6E4497 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.825 HMDA Benchmark Rate 5.190 HMDA Benchmark/APR Variance 4.635 HMDA Rate Spread Trigger 3.00 (No Data) (No Data) (No Data) Not Applicable Complete
5853B158-2E93-4572-9548-EB90EF9852ED XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.388 HMDA Benchmark Rate 4.940 HMDA Benchmark/APR Variance 5.448 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B8142B38-EDF6-4C31-B64B-C0703C998789 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B8142B38-EDF6-4C31-B64B-C0703C998789 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
B8142B38-EDF6-4C31-B64B-C0703C998789 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
AA04ACE4-C0C2-4014-AA60-DF7C315D204A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA04ACE4-C0C2-4014-AA60-DF7C315D204A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower(s), unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
AA04ACE4-C0C2-4014-AA60-DF7C315D204A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date (No Data) (No Data) (No Data) Not Applicable Complete
062EA8E2-CDEE-4257-A4FD-4595A2774F00 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
062EA8E2-CDEE-4257-A4FD-4595A2774F00 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
062EA8E2-CDEE-4257-A4FD-4595A2774F00 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is missing. (No Data) (No Data) (No Data) Not Applicable Complete
CA5EFF8E-B718-41C0-BED4-1DA56A2F9F28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable A A A A                               Complete
D2D4F449-0826-4083-9119-DCF45D127474 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.779% with HMDA Benchmark Rate of 4.780% causing variance of 5.999% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D2D4F449-0826-4083-9119-DCF45D127474 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
D2D4F449-0826-4083-9119-DCF45D127474 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
DFDE3632-875B-48D7-9710-819EB5C5A653 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DFDE3632-875B-48D7-9710-819EB5C5A653 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
DFDE3632-875B-48D7-9710-819EB5C5A653 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is missing. (No Data) (No Data) (No Data) Not Applicable Complete
EF03ED1A-81E6-48D2-8D7E-CE1881F0ADD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed. (No Data) (No Data) (No Data) Not Applicable Complete
EF03ED1A-81E6-48D2-8D7E-CE1881F0ADD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
EF03ED1A-81E6-48D2-8D7E-CE1881F0ADD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is unknown. (No Data) (No Data) (No Data) Not Applicable Complete
DA71DDF5-FC89-434C-A227-AAAC7375F47C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed (No Data) (No Data) (No Data) Not Applicable Complete
DA71DDF5-FC89-434C-A227-AAAC7375F47C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
DA71DDF5-FC89-434C-A227-AAAC7375F47C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement date, Cannot determine if funding date is after rescission period. (No Data) (No Data) (No Data) Not Applicable Complete
2A1C0774-AF44-4B08-B595-CA818396C8B6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
2A1C0774-AF44-4B08-B595-CA818396C8B6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm delivery. (No Data) (No Data) (No Data) Not Applicable Complete
2A1C0774-AF44-4B08-B595-CA818396C8B6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement Date. (No Data) (No Data) (No Data) Not Applicable Complete
2A1C0774-AF44-4B08-B595-CA818396C8B6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Prepayment penalty per Note is hard and lacks state required exclusion that prohibits a prepayment penalty upon the bona fide sale of the home. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
E191AF45-19AD-457C-9DF8-5381B78F498D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 3/XX/2004 Test APR 8.499 HMDA Benchmark Rate 4.670 HMDA Benchmark/APR Variance 3.829 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold by .829% (No Data) (No Data) (No Data) Not Applicable Complete
E191AF45-19AD-457C-9DF8-5381B78F498D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No Prepayment penalty prohibited by state. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E2F2E193-441A-4439-917D-828DEB049FCF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing final MI cert. MI premium per final TIL is $XXX, MI cert in file shows $XXX. (No Data) (No Data) (No Data) Not Applicable Complete
C670B353-130D-4D34-87A3-E6387D1E32A2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
C670B353-130D-4D34-87A3-E6387D1E32A2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No TILA - Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
C670B353-130D-4D34-87A3-E6387D1E32A2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C670B353-130D-4D34-87A3-E6387D1E32A2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No ROR - Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A0D5915-CFBE-4850-BBF8-D50375800BF8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
2A0D5915-CFBE-4850-BBF8-D50375800BF8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Incomplete HELOC Early Disclosure. The document on file contains only page 3 of 3. It is missing pages 1 & 2. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B88AC2A9-2AED-494B-A5B9-C3A6D33D01A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
03104A2E-509E-46A1-B855-76F700836ACA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
03104A2E-509E-46A1-B855-76F700836ACA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due missing documentation of auto purchase made 2 days prior to transaction. (No Data) (No Data) (No Data) Not Applicable Complete
03104A2E-509E-46A1-B855-76F700836ACA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Application does not include loan officers middle name as reflected on NMLS license verification. (No Data) (No Data) (No Data) Not Applicable Complete
FBE43D89-29A3-4EE0-8D13-DD769BC6E5FE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.987% with HMDA Benchmark Rate 4.690% causing HMDA Benchmark/APR Variance 5.297% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
E69B3018-A034-4FDD-AB24-3D0199D4E0F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E69B3018-A034-4FDD-AB24-3D0199D4E0F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6548890B-64E6-4448-861E-99F91DD65E3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6548890B-64E6-4448-861E-99F91DD65E3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 07/XX/2006, HELOC Early Disclosure in file dated 07/XX/2006. HELOC Early Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
6548890B-64E6-4448-861E-99F91DD65E3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged on lender-to-lender refinance. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
6548890B-64E6-4448-861E-99F91DD65E3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
6548890B-64E6-4448-861E-99F91DD65E3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date of 07/XX/2006, HELOC Early Disclosure in file dated 07/XX/2006. HELOC Early Disclosure not received within 3 days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E556F9D-3167-4EFB-BBC0-612CF5BFD46A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Earliest TIL is dated11/XX/06. (No Data) (No Data) (No Data) Not Applicable Complete
9E556F9D-3167-4EFB-BBC0-612CF5BFD46A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Borrower did not sign TIL. (No Data) (No Data) (No Data) Not Applicable Complete
9E556F9D-3167-4EFB-BBC0-612CF5BFD46A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
B49EAC60-F8FD-46C6-820E-DD1013287DD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
B49EAC60-F8FD-46C6-820E-DD1013287DD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand-dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
49E83CBB-3440-4065-8322-0B1704F03EB1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
49E83CBB-3440-4065-8322-0B1704F03EB1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
49E83CBB-3440-4065-8322-0B1704F03EB1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 03/XX/2006, GFE in file Dated 04/XX/2006. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
DB45F824-1B7F-4E3B-BC05-8006EA1277AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Missing signature on Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
DB45F824-1B7F-4E3B-BC05-8006EA1277AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
B011A0D8-65F9-439C-B3CC-24E9E87A4865 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest Worksheet (No Data) (No Data) (No Data) Not Applicable Complete
B011A0D8-65F9-439C-B3CC-24E9E87A4865 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Loan understated by $XXX due to payments and fees. Total payments per TIL Final TIL $XXX, calculated payments $XXX total of $XXX difference of $XXX, also the settlement fee for $XXX and courier fee of $XXX were not used as finance charges (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B011A0D8-65F9-439C-B3CC-24E9E87A4865 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing lender GFE (No Data) (No Data) (No Data) Not Applicable Complete
D903A1B4-7B18-40A0-941B-DEE29346F697 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WV (No Data) ATR/QM: Not Applicable D C D C Compliance Borrower's Interest Active D B D B CMPBI1437 WV Home Loan - WV Tangible Net Benefit Worksheet not in file No Missing NTB Worksheet. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D903A1B4-7B18-40A0-941B-DEE29346F697 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WV (No Data) ATR/QM: Not Applicable D C D C Compliance State Anti-Predatory Active C C C C CMPSTAP104 WV Home Loan - Total Fees exceed allowable cap. Yes Adjusted Charges of $XXX equal to 6.031%; Maximum charges allowed $XXX or 6.000%; charges exceed by $XXX or .031%. 1/XX/18 - Disagree, Compliance HCA Review provided. 1/XX/18 - Exception remains, charges exceed state maximum. HCA report provided does not include state test. (No Data) Not Applicable Complete
D903A1B4-7B18-40A0-941B-DEE29346F697 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WV (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1429 WV Home Loan - Negative amortization potential prohibited Yes WV Home Loan - Negative amortization potential prohibited; Note is an MTA ARM with 115% negam possibility 1/XX/18 - Disagree, Compliance HCA Review provided. 1/XX/18 - Exception remains, Note is an MTA Negative amortization ARM. (No Data) Not Applicable Complete
669461B2-1658-45D9-9B5D-C24E6368229C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC early disclosure dated 12/01/05 not provided within 3 business days of application date 11/09/05. (No Data) (No Data) (No Data) Not Applicable Complete
669461B2-1658-45D9-9B5D-C24E6368229C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of 12/XX/2005 is before end of disclosed midnight of date of 12/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
669461B2-1658-45D9-9B5D-C24E6368229C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of 12/XX/2005 is prior to end of recession period date of 12/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
669461B2-1658-45D9-9B5D-C24E6368229C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No HELOC terms do not provide initial P&I payment, unable to calculate maximum payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
669461B2-1658-45D9-9B5D-C24E6368229C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3188 TILA - HELOC Fees Exceed Fee $100 Tolerance No FND fees of $3115.40 versus ED fees of $1393 for a variance of $1722.40 exceeding the $100 tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
669461B2-1658-45D9-9B5D-C24E6368229C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC early disclosure dated 12/01/05 not provided within 3 business days of application date 11/09/05. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A86BEC95-EFAD-4DCC-BBDC-E8DBCA5DACB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) (No Data) Complete
A86BEC95-EFAD-4DCC-BBDC-E8DBCA5DACB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 8.161%, the benchmark APR is 4.670% resulting in a difference of 3.491%. This exceeds the max loan rate/bench mark difference of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
D5C1743B-EFF6-481C-B5E1-72344CABC866 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active N/A C N/A C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA mortgage insurance cert. (No Data) (No Data) (No Data) Not Applicable Complete
D5C1743B-EFF6-481C-B5E1-72344CABC866 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D5C1743B-EFF6-481C-B5E1-72344CABC866 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D C D C Compliance TILA Active C B C B CMPTILA1686 Regular pmt loan; APR overdisclosed > 0.125% No TIL APR 5.814% versus paystream APR 5.6447% for a variance of 0.1693% exceeding the 0.125% tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
12F8F20D-E6F2-49FC-BD3B-35745FE394AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate (No Data) (No Data) (No Data) Not Applicable Complete
12F8F20D-E6F2-49FC-BD3B-35745FE394AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
67216B58-3D1B-4C62-ACBA-6D0B65553672 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
70F41052-DEF7-44F5-A532-26F1D2B6F4B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
70F41052-DEF7-44F5-A532-26F1D2B6F4B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Unknown latest TIL date because missing final TIL; cannot determine whether borrower was provided their full rescission period (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
70F41052-DEF7-44F5-A532-26F1D2B6F4B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
70F41052-DEF7-44F5-A532-26F1D2B6F4B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
70F41052-DEF7-44F5-A532-26F1D2B6F4B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
70F41052-DEF7-44F5-A532-26F1D2B6F4B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
70F41052-DEF7-44F5-A532-26F1D2B6F4B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No PPP expired (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C51C5B16-95EC-4536-B751-A6B610D567E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Compliance Manual Active N/A B N/A B CMPMAN4639 Missing GFE No Missing GFE. (No Data) (No Data) (No Data) (No Data) Complete
C51C5B16-95EC-4536-B751-A6B610D567E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Missing evidence of release/closure of XXX (No Data) (No Data) (No Data) (No Data) Complete
C51C5B16-95EC-4536-B751-A6B610D567E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date XXX, ARM Loan Program is dated XXX. ARM Loan Program Disclosure not provided within 3 days. (No Data) (No Data) (No Data) Not Applicable Complete
C51C5B16-95EC-4536-B751-A6B610D567E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No Late Charge states, If a payment is more than 10 days late, Borrower will pay a late charge equal to the greater of 6.0% of the unpaid portion of the payment due or $XXX; GA State Statute requires late fee of no more than 5% of payment more than 10 days late, therefore late fee exceeds maximum. (No Data) (No Data) (No Data) (No Data) Complete
9D829CA2-E50E-4478-BE74-45D8BA72BF86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D829CA2-E50E-4478-BE74-45D8BA72BF86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.808 HMDA Benchmark Rate 4.350 HMDA Benchmark/APR Variance 3.458 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
9D829CA2-E50E-4478-BE74-45D8BA72BF86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9D829CA2-E50E-4478-BE74-45D8BA72BF86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
9D829CA2-E50E-4478-BE74-45D8BA72BF86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7CD536D2-8766-462B-A9CD-A4E928440184 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
665D393F-9F91-43D6-A848-5D31EB84F7CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
665D393F-9F91-43D6-A848-5D31EB84F7CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
665D393F-9F91-43D6-A848-5D31EB84F7CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 6/XX/2007 given after 3 days from application date of 5/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
8C855A65-BD9B-4954-AA5F-D60CB35555B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Exempt D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C855A65-BD9B-4954-AA5F-D60CB35555B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Exempt D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
8C855A65-BD9B-4954-AA5F-D60CB35555B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Exempt D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C855A65-BD9B-4954-AA5F-D60CB35555B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Exempt D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB56F968-4029-4AC4-B1D4-3578DCE333B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.704% with HMDA Benchmark Rate of 4.720% causing variance of 3.984% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
AB56F968-4029-4AC4-B1D4-3578DCE333B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
390EE86A-976A-4986-A5EF-2AB1866FF6A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
2FBDE005-767A-41FF-A65F-464A2BA4A77B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2FBDE005-767A-41FF-A65F-464A2BA4A77B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
2FBDE005-767A-41FF-A65F-464A2BA4A77B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2FBDE005-767A-41FF-A65F-464A2BA4A77B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD. (No Data) (No Data) (No Data) Not Applicable Complete
2FBDE005-767A-41FF-A65F-464A2BA4A77B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
21594334-95A1-4FBD-B4E5-3F7DC6C858AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Prior mortgages remain on final title, schedule B. (No Data) (No Data) (No Data) Not Applicable Complete
21594334-95A1-4FBD-B4E5-3F7DC6C858AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes HUD page 1 is cutoff after line 300; Page 2 is cutoff after line 1103; HUD is not signed borrower or stamped by settlement agent. Fees available have been captured. (No Data) (No Data) (No Data) Not Applicable Complete
21594334-95A1-4FBD-B4E5-3F7DC6C858AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 5.573% per final TIL with a benchmark rate of 3.720% resulting in a variance of 2.033% which exceeds HMDA rate spread trigger of 1.500% (No Data) (No Data) (No Data) Not Applicable Complete
21594334-95A1-4FBD-B4E5-3F7DC6C858AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No H8 Form Used in Refinance With Original Creditor (No Data) (No Data) (No Data) Not Applicable Complete
21594334-95A1-4FBD-B4E5-3F7DC6C858AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing Alternative disclosure for loan without PPP. (No Data) (No Data) (No Data) Not Applicable Complete
E4DA56D4-3C5A-4FD6-9819-A5D5F9F6CD15 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Pud rider missing. (No Data) (No Data) (No Data) Not Applicable Complete
E4DA56D4-3C5A-4FD6-9819-A5D5F9F6CD15 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9EFF0CEC-8310-466E-A0DE-A80A5F71B1BF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
B9B751F7-8D9A-4A04-BB81-7AEEA61C683A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Cannot determine if ARM Program Disclosure was provided in a timely manner as it is not dated (No Data) (No Data) (No Data) Not Applicable Complete
B9B751F7-8D9A-4A04-BB81-7AEEA61C683A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B9B751F7-8D9A-4A04-BB81-7AEEA61C683A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No 10/XX/10 GFE given after 3 days from 8/XX/10 application (No Data) (No Data) (No Data) Not Applicable Complete
B9B751F7-8D9A-4A04-BB81-7AEEA61C683A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes XXX Alternative Loan without PPP Not Offered (No Data) (No Data) (No Data) Not Applicable Complete
B9EC296F-AA0B-4790-9FF9-A5A419C5EA73 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B9EC296F-AA0B-4790-9FF9-A5A419C5EA73 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
B9EC296F-AA0B-4790-9FF9-A5A419C5EA73 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B9EC296F-AA0B-4790-9FF9-A5A419C5EA73 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DF92E1D5-CED6-419C-A9E2-FACE8C34F828 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4831E8CC-4F7C-4F22-BDCB-8057386778CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete/Illegible HUD-1 in file- Missing pg. 2. Unable to capture all fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
4831E8CC-4F7C-4F22-BDCB-8057386778CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing ARM Rider. (No Data) (No Data) (No Data) Not Applicable Complete
4831E8CC-4F7C-4F22-BDCB-8057386778CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4831E8CC-4F7C-4F22-BDCB-8057386778CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Disclosure in the file is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
CCD4B40C-5154-4FEB-8F24-B009814BF161 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable A A A A                               Complete
2CA23902-5ACD-4AB9-9BFB-77A3F165C015 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD, bottom of page is cut off. (No Data) (No Data) (No Data) Not Applicable Complete
2CA23902-5ACD-4AB9-9BFB-77A3F165C015 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
2CA23902-5ACD-4AB9-9BFB-77A3F165C015 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE not provided within 3 days of the application. GFE not dated but is listed on early disclosure showing provided to borrower on 10/XX/2006. Credit Application dated 10/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
1A70B1A3-A972-4658-9974-827D6A6B97C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes HUD-1 incomplete do to bottom cut off. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
1A70B1A3-A972-4658-9974-827D6A6B97C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C53A54C3-5B22-48E5-9EDF-850B70D30194 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP1663 TILA - Early TIL not delivered within 3 business days of application No TIL dated 10/XX/10, application dated 8/XX/10. (No Data) (No Data) (No Data) Not Applicable Complete
C53A54C3-5B22-48E5-9EDF-850B70D30194 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C53A54C3-5B22-48E5-9EDF-850B70D30194 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 08/XX/2010, GFE in file Dated 09/XX/2010. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
C53A54C3-5B22-48E5-9EDF-850B70D30194 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No No evidence of refund or revised HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
C53A54C3-5B22-48E5-9EDF-850B70D30194 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active C C C C CMPRESPA2838 RESPA-Fee subject to zero tolerance is greater on HUD than on GFE; no evidence of refund in the file Yes No evidence of refund or revised HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
C53A54C3-5B22-48E5-9EDF-850B70D30194 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing PPP option disclosure (No Data) (No Data) (No Data) Not Applicable Complete
5064EF34-DC6B-4AC6-87B5-AD0F5A5370D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing lenders application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5064EF34-DC6B-4AC6-87B5-AD0F5A5370D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Final HUD is incomplete, All pages are cut off at the bottom. Entered fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
5064EF34-DC6B-4AC6-87B5-AD0F5A5370D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP1683 TILA - Closing occurred prior to end of waiting period No Closing 01/XX/2011 occurred prior to end of waiting period of 01/XX/2011. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5064EF34-DC6B-4AC6-87B5-AD0F5A5370D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Alternative Loan without PPP Not Offered, loan is has a fixed amount $475 PPP for 36 months. (No Data) (No Data) (No Data) Not Applicable Complete
13FC249F-AB6D-488C-9B88-ECB8FFECF506 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD-1. Due to an imaging error, the bottom of the document is cut off. (No Data) (No Data) (No Data) Not Applicable Complete
13FC249F-AB6D-488C-9B88-ECB8FFECF506 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3276 Title document in file is incomplete Yes Incomplete Title. Due to an imaging error, the bottom of the document is cut off. (No Data) (No Data) (No Data) Not Applicable Complete
13FC249F-AB6D-488C-9B88-ECB8FFECF506 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
13FC249F-AB6D-488C-9B88-ECB8FFECF506 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DCD55671-8074-4D55-AE55-4B286922D0A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
DCD55671-8074-4D55-AE55-4B286922D0A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 05/XX/2005, Initial Application dated 04/XX/2005. GFE given after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
DCD55671-8074-4D55-AE55-4B286922D0A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing MI Home Loans Borrower's Bill of Rights Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
DCD55671-8074-4D55-AE55-4B286922D0A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing MI Home Loans -Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
6791D940-903F-4682-8C74-261F25934792 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
6791D940-903F-4682-8C74-261F25934792 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 04/XX/2008, GFE in file dated 04/XX/2008. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
B4BE6327-FE5F-44CF-9D8D-49B666D82C68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Final HUD-1 is incomplete. Bottom of pages are cut-off: HUD page 1 is missing lines after 300. Page 2 is missing lines after 1103 but before line 1200. HUD is not signed by borrower or stamped/signed by settlement agent. Fees available have been captured. (No Data) (No Data) (No Data) Not Applicable Complete
B4BE6327-FE5F-44CF-9D8D-49B666D82C68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
B4BE6327-FE5F-44CF-9D8D-49B666D82C68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4BE6327-FE5F-44CF-9D8D-49B666D82C68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4BE6327-FE5F-44CF-9D8D-49B666D82C68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No 1/XX/11 GFE given after 3 days from 12/XX/10 application. (No Data) (No Data) (No Data) Not Applicable Complete
B4BE6327-FE5F-44CF-9D8D-49B666D82C68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing Alternative Loan without PPP offer disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
BE86BBD5-FA9C-4ED4-9474-931E99932593 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
BE86BBD5-FA9C-4ED4-9474-931E99932593 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing XX home loan Repayment Ability Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
BE86BBD5-FA9C-4ED4-9474-931E99932593 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6A595913-4D2B-45F6-9874-614A59D35ABC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
53EF6FBB-A1A2-454E-9815-8EE73B6AC53A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance TILA Active B B B B CMPTILA4787 TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. No Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. (No Data) (No Data) (No Data) Not Applicable Complete
03F4CD4E-54A6-47BE-AA4E-4CB6ECFA09E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Final HUD cut off at bottom. (No Data) (No Data) (No Data) Not Applicable Complete
03F4CD4E-54A6-47BE-AA4E-4CB6ECFA09E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2113 TILA - Payment Schedule contains at least one error No '-Intro Rate and Monthly Payment schedule should have been disclosed, but not available. -Maximum Ever:Date [XXX] does not match Maximum Ever: XXX Calculated Date [XXX] -Maximum Ever:Principal + Interest Payment [XXX] does not match Maximum Ever: XXX Calculated P&I [XXX] (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03F4CD4E-54A6-47BE-AA4E-4CB6ECFA09E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA1931 GFE Summary of loan terms inaccurate No GFE Summary of loan terms inaccurate, GFE P&I is XXX and Note P&I is XXX (No Data) (No Data) (No Data) Not Applicable Complete
651BF428-215E-4C97-82B4-474EF4E1A2D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Final HUD is cut off on the right side & missing several seller's costs. (No Data) (No Data) (No Data) Not Applicable Complete
651BF428-215E-4C97-82B4-474EF4E1A2D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No TIL disclosure dated 10/XX/2006 not made within 3 days of application date of 09/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
651BF428-215E-4C97-82B4-474EF4E1A2D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not signed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
651BF428-215E-4C97-82B4-474EF4E1A2D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 10/XX/2006 not made within 3 days of application date of 09/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
3631A48B-46C3-48F8-B229-CBF63CD01620 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Initial and Final Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3631A48B-46C3-48F8-B229-CBF63CD01620 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3631A48B-46C3-48F8-B229-CBF63CD01620 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3631A48B-46C3-48F8-B229-CBF63CD01620 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
3631A48B-46C3-48F8-B229-CBF63CD01620 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3631A48B-46C3-48F8-B229-CBF63CD01620 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes IL SB 1167 Alternative Loan without PPP Not Offered. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
3631A48B-46C3-48F8-B229-CBF63CD01620 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file Yes XX Database - No Cert of Compliance or Cert of Exemption in file (No Data) (No Data) (No Data) Not Applicable Complete
5701D52D-C470-4ECD-8EA9-C0A3F61C36F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5701D52D-C470-4ECD-8EA9-C0A3F61C36F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No Missing Revised HUD showing correct charges (No Data) (No Data) (No Data) Not Applicable Complete
5701D52D-C470-4ECD-8EA9-C0A3F61C36F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active C C C C CMPRESPA2838 RESPA-Fee subject to zero tolerance is greater on HUD than on GFE; no evidence of refund in the file Yes Adjusted origination charges $XXX, GFE adjusted charges $XXX. difference of $XXX. No evidence of refund provided. (No Data) (No Data) (No Data) Not Applicable Complete
5701D52D-C470-4ECD-8EA9-C0A3F61C36F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes No evidence of an alternate loan without a PPP offered to the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
56FD2251-59BE-4C70-B04F-6C22AD8BA47F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
56FD2251-59BE-4C70-B04F-6C22AD8BA47F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.554% with HDMA bench mark rate of 4.280% causing variance of 5.274% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
56FD2251-59BE-4C70-B04F-6C22AD8BA47F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by Borrower, unable to confirm Timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
F3E326DD-3949-40BD-A429-A98800176085 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
EAB2612C-F457-4742-8A7C-728C820759CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4F403FFB-D862-471E-9B93-E5D8848BF3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4F403FFB-D862-471E-9B93-E5D8848BF3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
4F403FFB-D862-471E-9B93-E5D8848BF3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.542% with HMDA Benchmark Rate 4.690% causing HMDA Benchmark/APR Variance 3.852% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
4F403FFB-D862-471E-9B93-E5D8848BF3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
4F403FFB-D862-471E-9B93-E5D8848BF3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4F403FFB-D862-471E-9B93-E5D8848BF3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
4F403FFB-D862-471E-9B93-E5D8848BF3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
D2B6FAEC-9633-44C6-8D7E-7ED555CEAB5C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active A C A C CMPDOC101 Unresolved title issue Yes Final Title Policy Sch B cites 3 previous mortgages still on title. (No Data) (No Data) (No Data) Not Applicable Complete
D2B6FAEC-9633-44C6-8D7E-7ED555CEAB5C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 05/XX/2010, GFE in file Dated 07/XX/2010. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
D2B6FAEC-9633-44C6-8D7E-7ED555CEAB5C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing evidence of disclosure of alternative loan without a PPP was offered. (No Data) (No Data) (No Data) Not Applicable Complete
01106BC3-D25B-4EE6-AB12-A824CE263EBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Schedule B of Final Title Policy reflects a Second lien of $XXX with transaction date of 4/XX/2003 unreleased and no subordination in file. Final HUD -1 does not reflect pay-off of this lien. (No Data) (No Data) (No Data) Not Applicable Complete
01106BC3-D25B-4EE6-AB12-A824CE263EBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active C B C B CMPFDCP2113 TILA - Payment Schedule contains at least one error No '-Maximum Ever:Date [4/XX/2012] does not match Maximum Ever: XXX Calculated Date [4/XX/2012]-Maximum First Five Years:Date [4/XX/2011] does not match Maximum First Five Years: XXX Calculated Date [4/XX/2012]-Maximum First Five Years:Principal + Interest Payment [3971.70] does not match Maximum First Five Years: XXX Calculated P&I [4505.67]-Maximum Ever:Principal + Interest Payment [4183.07] does not match Maximum Ever: XXX Calculated P&I [4505.67] (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
01106BC3-D25B-4EE6-AB12-A824CE263EBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes XXX Alternative Loan without PPP Not Offered (No Data) (No Data) (No Data) Not Applicable Complete
08146090-2F7B-448C-BA06-DBC13A653543 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.339% with HMDA Benchmark Rate of 5.000% causing variance of 3.339% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
08146090-2F7B-448C-BA06-DBC13A653543 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
649F2E23-715E-4D7A-8800-32931C91BDBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active B B B B CMPDOC2858 TILA - Individual loan originator Name or ID missing from application. No Individual loan originator Name or ID missing from application dated xxx. (No Data) (No Data) (No Data) Not Applicable Complete
649F2E23-715E-4D7A-8800-32931C91BDBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active B B B B CMPDOC2860 TILA - Loan Originator Organization Name or ID missing from application. No Loan Originator Organization Name or ID missing from application dated xxx. (No Data) (No Data) (No Data) Not Applicable Complete
649F2E23-715E-4D7A-8800-32931C91BDBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Early TIL not in file (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
649F2E23-715E-4D7A-8800-32931C91BDBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Borrower's Bill of Rights Not in File (No Data) (No Data) (No Data) Not Applicable Complete
649F2E23-715E-4D7A-8800-32931C91BDBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Consumer Caution/Homeownership Counseling Notice not in file. (No Data) (No Data) (No Data) Not Applicable Complete
C9D5730B-0884-4459-BC10-F492B5E37F89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.089% with HMDA Benchmark Rate 4.880% causing HMDA Benchmark/APR Variance 3.209% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
C9D5730B-0884-4459-BC10-F492B5E37F89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C9D5730B-0884-4459-BC10-F492B5E37F89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Balloon payment not disclosed. TIL payment stream reflects 479 monthly payments at $1128.43 and 1 final payment of $1137.03 versus calculated payment stream of 479 payments at $1128.43 and 1 final payment at $5410.58. (No Data) (No Data) (No Data) Not Applicable Complete
C9D5730B-0884-4459-BC10-F492B5E37F89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX pay stream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Missing TIL Itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C9D5730B-0884-4459-BC10-F492B5E37F89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 5/XX/2007 given after 3 days from application date of 5/XX/2007 (No Data) (No Data) (No Data) Not Applicable Complete
D1E6592F-A9EF-4182-BF10-6996ED98EA7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Credit line activity reflects payoff of lien unreleased on Short Form Limited Final in the amount of $105675.81 UPB. (No Data) (No Data) (No Data) Not Applicable Complete
D1E6592F-A9EF-4182-BF10-6996ED98EA7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No Missing Loan-Prohibited Prepayment Penalty. (No Data) (No Data) (No Data) Not Applicable Complete
6F2A9C95-7DB1-41E9-B785-ECD48D446D57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6F2A9C95-7DB1-41E9-B785-ECD48D446D57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
6F2A9C95-7DB1-41E9-B785-ECD48D446D57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6F2A9C95-7DB1-41E9-B785-ECD48D446D57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6F2A9C95-7DB1-41E9-B785-ECD48D446D57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
6F2A9C95-7DB1-41E9-B785-ECD48D446D57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6F2A9C95-7DB1-41E9-B785-ECD48D446D57 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Alternative Loan without PPP Not Offered. (No Data) (No Data) (No Data) Not Applicable Complete
06ED3D8C-CC4E-46EA-A82E-F267EFE82F23 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A D A D Compliance Documentation Active N/A D N/A D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
8B3582BA-1B04-492A-B001-156EFB1A74EA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No Final TIL disclosed APR of 2.0110%, per XXX paystream calculations, APR is 2.4210%,resulting in understated APR of .4100%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8B3582BA-1B04-492A-B001-156EFB1A74EA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Unresolved title issue, Prior lien paid off on HUD still shown on Final Title. (No Data) (No Data) (No Data) Not Applicable Complete
8B3582BA-1B04-492A-B001-156EFB1A74EA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8B3582BA-1B04-492A-B001-156EFB1A74EA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing Alternative Loan without PPP. (No Data) (No Data) (No Data) Not Applicable Complete
F3FEB393-F94D-40ED-8043-60DAB46F3D04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Final HUD-1 is incomplete-bottom portion of page is cut off. (No Data) (No Data) (No Data) Not Applicable Complete
F3FEB393-F94D-40ED-8043-60DAB46F3D04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
46D49311-C55F-4483-A8D4-04E31634AE19 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Missing date on ARM Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
46D49311-C55F-4483-A8D4-04E31634AE19 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
46D49311-C55F-4483-A8D4-04E31634AE19 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active N/A B N/A B CMPRESPA845 RESPA - GFE given after 3 days from application No Disclosure date is 3/XX/10, application date is 3/XX/10. (No Data) (No Data) (No Data) Not Applicable Complete
46D49311-C55F-4483-A8D4-04E31634AE19 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes XXX Alternative Loan without PPP Not Offered. (No Data) (No Data) (No Data) Not Applicable Complete
72B6AB7C-6020-43A7-978B-4E49C29EE1DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure (No Data) (No Data) (No Data) Not Applicable Complete
72B6AB7C-6020-43A7-978B-4E49C29EE1DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP2113 TILA - Payment Schedule contains at least one error No TIL does not indicate a "Maximum (First Five Years)". (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
72B6AB7C-6020-43A7-978B-4E49C29EE1DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
72B6AB7C-6020-43A7-978B-4E49C29EE1DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
72B6AB7C-6020-43A7-978B-4E49C29EE1DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
72B6AB7C-6020-43A7-978B-4E49C29EE1DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Alternative Loan without PPP Not Offered (No Data) (No Data) (No Data) Not Applicable Complete
45DA192E-98FC-4386-BF45-8D2F9AD0A79E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Missing lender's itemization of amounts financed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
45DA192E-98FC-4386-BF45-8D2F9AD0A79E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA871 Adjusted Origination Charge does not equal Origination charge +/- credit/charge No Adjusted Origination Charge of $XXX not equal to the Origination charge +/- credit/charge of $XXX (No Data) (No Data) (No Data) Not Applicable Complete
45DA192E-98FC-4386-BF45-8D2F9AD0A79E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes Missing PPP Option Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
E23DA0C6-116A-458E-B248-D200E98488FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
3072757F-8F92-471A-ADAC-541412C370FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL signed but not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
3AC23EC6-113D-4D91-AEAA-32F61D310160 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4E644363-4DD6-408A-B523-4389C42DBDD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4E644363-4DD6-408A-B523-4389C42DBDD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
4E644363-4DD6-408A-B523-4389C42DBDD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.550% with HMDA Benchmark Rate of 5.000% causing variance of 4.550% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4E644363-4DD6-408A-B523-4389C42DBDD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
4E644363-4DD6-408A-B523-4389C42DBDD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. 6/XX/2018 - Doc titled Settlement Statement_1102_09.XX.06 in Origination folder. 6/XX/2018 - Unable to locate document. Exception remains. (No Data) Not Applicable Complete
4E644363-4DD6-408A-B523-4389C42DBDD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F8123BD3-7048-42B9-B5A0-D8AC0B09BB6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
41EDBAEE-4621-4452-97F3-25382217F5C0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review ATR/QM status is: ATR Risk: Non-QM - Lender did not document all ATR UW factors, lenders status is Safe Harbor. Missing 2 years tax returns for self-employment income. Loan program identified as Foreign National program. Insufficient ATR compensating factors. (No Data) (No Data) (No Data) Not Applicable Complete
41EDBAEE-4621-4452-97F3-25382217F5C0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2978 TILA - Lenders documentation does not meet Appendix Q guidelines. Yes Missing complete income documentation for Appendix Q guidelines. Missing 2 years tax returns. Loan program identified as Foreign National program. (No Data) (No Data) (No Data) Not Applicable Complete
41EDBAEE-4621-4452-97F3-25382217F5C0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM4647 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination Yes Review ATR/QM status is: ATR Risk: Non-QM - Lender did not document all ATR UW factors, lenders status is Safe Harbor. (No Data) (No Data) (No Data) Not Applicable Complete
18F8BEEE-CA31-451F-B7AF-519D4917CEEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.379%, the benchmark APR is 4.920% resulting in a difference of 4.459%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
18F8BEEE-CA31-451F-B7AF-519D4917CEEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date 8/XX/2006, ARM Loan Program Disclosure dated 10/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
3E54BC2F-2B62-4D49-8021-9A8315494C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E54BC2F-2B62-4D49-8021-9A8315494C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXX HMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX Violates Federal Rate Spread threshold? XXX (No Data) (No Data) (No Data) Not Applicable Complete
3E54BC2F-2B62-4D49-8021-9A8315494C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E54BC2F-2B62-4D49-8021-9A8315494C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E54BC2F-2B62-4D49-8021-9A8315494C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E54BC2F-2B62-4D49-8021-9A8315494C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3E54BC2F-2B62-4D49-8021-9A8315494C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
491854CF-1A4D-4C27-9535-81176ED4D8EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.199% with HMDA Benchmark Rate of 4.690% causing variance of 3.509% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
5554573E-D3E7-4CD5-A0E2-F2E1430F9FF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.327% with HMDA Benchmark Rate of 4.920% causing variance of 3.407% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
5554573E-D3E7-4CD5-A0E2-F2E1430F9FF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No PPP is expired (No Data) (No Data) (No Data) Not Applicable Complete
1CAEA9BE-7963-4F5C-919E-09CCE2317297 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
444D12F2-C5D1-4A21-AD7D-FFCE5B62FBE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.858%, HMDA Benchmark Rate 4.560%, HMDA Benchmark/APR Variance 3.298%, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
444D12F2-C5D1-4A21-AD7D-FFCE5B62FBE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
444D12F2-C5D1-4A21-AD7D-FFCE5B62FBE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
444D12F2-C5D1-4A21-AD7D-FFCE5B62FBE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
444D12F2-C5D1-4A21-AD7D-FFCE5B62FBE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date 10/XX/2005, GFE dated 10/XX/2005 GFE given after 3 days from application (No Data) (No Data) (No Data) Not Applicable Complete
21B8EF30-BD4A-40F2-BC6F-ADC09406C17A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable A A A A                               Complete
3160EE11-ECB2-4235-83A5-44D56F1FB039 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date is 5/XX/2005; the earliest TIL in file is dated 5/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
3160EE11-ECB2-4235-83A5-44D56F1FB039 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
D75DAF53-F44C-4E97-9ADB-CEAAD3DB8AB0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable A A A A                               Complete
CE8EA6C7-63BB-4E6F-AB82-E53288C69EAE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CE8EA6C7-63BB-4E6F-AB82-E53288C69EAE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
CE8EA6C7-63BB-4E6F-AB82-E53288C69EAE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CE8EA6C7-63BB-4E6F-AB82-E53288C69EAE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CE8EA6C7-63BB-4E6F-AB82-E53288C69EAE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A8F0746E-85E3-4AB1-88F5-3517252A9681 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review ATR/QM status is: ATR Risk: Non-QM - Lender did not document all ATRXXX factors, XXXs status is XXX. uninsurable per seller defect. DTI is XXX%. Insufficient ATR compensating factors. (No Data) (No Data) (No Data) Not Applicable Complete
A8F0746E-85E3-4AB1-88F5-3517252A9681 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM4647 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination Yes Review ATR/QM status is: ATR Risk: Non-QM - Lender did not document all ATRXXX factors,XXX status is XXX FHA uninsurable per seller defect. DTI is XXX%. Insufficient ATR compensating factors. (No Data) (No Data) (No Data) Not Applicable Complete
A8F0746E-85E3-4AB1-88F5-3517252A9681 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD:XXX and XXX, Section: Summaries of Transactions, Message: Sale Price of Property minus Loan Amount is: $XXX and Section: Calculating Cash to Close, Field: Down Payment/Funds from XXX - Final, Value: XXX. which includes the UFMIP of $XXX. Exception states should be $XXXonly. (No Data) (No Data) Numeric Not Applicable Complete
A8F0746E-85E3-4AB1-88F5-3517252A9681 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4319 TRID - CD: The Total Interest Percentage on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Interest Percentage No CD: XXX, Section: Loan Calculation, Field: TIP, CD Value: XXX, review Value: XXX difference exceeds the .XXX tolerance. (No Data) (No Data) Numeric Not Applicable Complete
A8F0746E-85E3-4AB1-88F5-3517252A9681 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Exception Satisfied. Corrected on Post Close CSD Issued XXX. Need evidence of Change of Circumstances letter or a copy of a refundable check in the amount of$XXX for Zero Tolerance fees for Appraisal fee. (No Data) Exception Satisfied. Corrected on Post Close CSD Issued XXX. Need evidence of Change of Circumstances letter or a copy of a refundable check in the amount of$XXX for Zero Tolerance fees for Appraisal fee. (No Data) Not Applicable Complete
447FC36B-0CC5-4B15-AF69-E78E6B5474D7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
1F457695-6D66-4885-A404-64025626F15E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 10/XX/200512/XX/2006; disbursement date per file 10/XX/2005. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
1F457695-6D66-4885-A404-64025626F15E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 10/XX/200512/XX/2006; disbursement date per file 10/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E66720D1-C77B-40B8-A693-30E52486CA41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
47D25D56-5753-4808-A900-8BE7622F6161 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
47D25D56-5753-4808-A900-8BE7622F6161 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.621% with HMDA Benchmark Rate 4.920% causing HMDA Benchmark/APR Variance 6.701% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
47D25D56-5753-4808-A900-8BE7622F6161 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47D25D56-5753-4808-A900-8BE7622F6161 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47D25D56-5753-4808-A900-8BE7622F6161 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47D25D56-5753-4808-A900-8BE7622F6161 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
057C8C11-5364-42BE-A4C0-276C6554188A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.634 HMDA Benchmark Rate 5.260 HMDA Benchmark/APR Variance 3.374 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
2FEAA31D-F2AB-44DF-8CF1-FCDF7A166A62 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
54CE8134-40CB-43B2-B21F-42536F05F31A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
54CE8134-40CB-43B2-B21F-42536F05F31A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 11/XX/2005; disbursement date per file 11/XX/2005. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
54CE8134-40CB-43B2-B21F-42536F05F31A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 11/XX/2005 is prior to end of earliest rescission date allowable of 11/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
54CE8134-40CB-43B2-B21F-42536F05F31A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 11/XX/2005; disbursement date per file 11/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
54CE8134-40CB-43B2-B21F-42536F05F31A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3188 TILA - HELOC Fees Exceed Fee $100 Tolerance No Fees per the Early HELOC Disclosure are up to $2,500.00. Fees disclosed on the FND total $4,043.68, for a difference of $1,543.68 over, which exceeds the $100.00 tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4EF94FA4-01CE-4EB8-AA22-309A536AD761 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable A A A A                               Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 12/XX/2003 is prior to end of earliest rescission date allowable of 12/XX/2003. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Allowable ROR Expiration date of 12/XX/03; disbursement date per file 12/XX/03. Loan funds were disbursed prior to mandatory rescission period expiration date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active B B B B CMPTXHE320 TX Equity - Texas Equity : Missing T.42 Title Endorsement No Missing T.42 Title Endorsement. (No Data) (No Data) (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active B B B B CMPTXHE321 TX Equity - Texas Equity : Missing T.42.1 Title Endorsement No Missing T.42.1 Title Endorsement. (No Data) (No Data) (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Missing evidence itemized disclosure of fees was provided prior to closing (No Data) (No Data) (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE305 TX Equity - borrower not provided copy of application pre-closing Yes Missing evidence borrower was provided copy of application pre-closing (No Data) (No Data) (No Data) Not Applicable Complete
4CCBFE84-3E0C-4EFD-80A4-840EAEAB0B6B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE306 TX Equity - borr not given copy of final/app, closing docs Yes Missing evidence borrower was given copy of final/app, closing docs (No Data) (No Data) (No Data) Not Applicable Complete
DE7CBA8C-EBC6-4417-87D4-F4D19188DCF2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is NON QM Lender did not document all ATR UW Factors, Missing a verbal VOE for CO-Borrower to verify current employment status. 1-5-2018- Client provided lenders ATR QM Status determination 1-5-2018- Received lenders ATR QM Status determination which is QM Safe Harbor, Review status is NON QM Lender did not document all ATR UW Factors, Missing a verbal VOE for CO-Borrower to verify current employment status. Exception remains. (No Data) Not Applicable Complete
DE7CBA8C-EBC6-4417-87D4-F4D19188DCF2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Review status places loan in a riskier status than the lenders status, Review status is NON QM Lender did not document all ATR UW Factors, Missing a verbal VOE for CO-Borrower to verify current employment status. 1-5-2018- Client provided lenders ATR QM Status determination 1-5-2018- Received lenders ATR QM Status determination which is QM Safe Harbor, This is a new exception due to receiving the Lenders QM Status,Review status places loan in a riskier status than the lenders status, Review status is NON QM Lender did not document all ATR UW Factors, Missing a verbal VOE for CO-Borrower to verify current employment status. (No Data) Not Applicable Complete
DE7CBA8C-EBC6-4417-87D4-F4D19188DCF2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, Review status is NON QM Lender did not document all ATR UW Factors, Missing a verbal VOE for CO-Borrower to verify current employment status. 1-5-2018- Client provided lenders ATR QM Status determination 1-5-2018- Received lenders ATR QM Status determination which is QM Safe Harbor, Exception is satisfied. (No Data) Not Applicable Complete
DE7CBA8C-EBC6-4417-87D4-F4D19188DCF2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 06/XX/2017 & 06/XX/2017, Other Costs, Section F, Flood Ins is missing # of Months. Corrected on POST Close CD 7/XX/17 (No Data) Corrected on POST Close CD 7/XX/17, exception satisfied. CD: 06/XX/2017 & 06/XX/2017, Other Costs, Section F, Flood Ins is missing # of Months. Hybrid Not Applicable Complete
7F08B7DA-18C4-4538-8998-AFAA2AB796A5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Final Title Policy still shows a prior mortgage to XXX dated 6/XX/2002 for $XXX. (No Data) (No Data) (No Data) Not Applicable Complete
7F08B7DA-18C4-4538-8998-AFAA2AB796A5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B65DA48C-38A6-47D2-88EC-A61CBFC5E03B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Estimated HUD. Line 1113 includes "Hold " to title company in amount of $1665.97. Additionally, document is not signed or certified. (No Data) (No Data) (No Data) Not Applicable Complete
B65DA48C-38A6-47D2-88EC-A61CBFC5E03B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.412% with HMDA Benchmark Rate of 5.260% causing variance of 3.152% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
B65DA48C-38A6-47D2-88EC-A61CBFC5E03B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing Lender GFE (No Data) (No Data) (No Data) Not Applicable Complete
BA1118F0-FD22-411A-A377-CC6712B50F5E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP122 OH CSPA; Tangible Net Benefit worksheet not in file No Missing Tangible Net Benefit Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
EC8FEFD2-9A17-4068-9FB8-145B574C144F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EC8FEFD2-9A17-4068-9FB8-145B574C144F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
EC8FEFD2-9A17-4068-9FB8-145B574C144F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EC8FEFD2-9A17-4068-9FB8-145B574C144F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EC8FEFD2-9A17-4068-9FB8-145B574C144F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
CB215712-8EEB-4CF4-8DB3-86C7E73B0087 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
985AEE9F-6659-451A-B998-F8823253F22A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
985AEE9F-6659-451A-B998-F8823253F22A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.779% with HMDA Benchmark Rate of 4.760% causing variance of 4.019% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
02AD4CC9-101F-42A4-94D8-EA92BBCFD016 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD-1 fees are in the amount of $1,083 and total FND fees are in the amount of $835.00, for a difference of $248.00. The HELOC Annual Fee of $50.00 is not on the HUD-1, and the Title Search of $298.00 is on the HUD-1 but not on the FND. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
02AD4CC9-101F-42A4-94D8-EA92BBCFD016 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HUD-1 fees are in the amount of $1,083 and total FND fees are in the amount of $835.00, for a difference of $248.00. The HELOC Annual Fee of $50.00 is not on the HUD-1, and the Title Search of $298.00 is on the HUD-1 but not on the FND. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FD7AE9FA-3721-492A-9662-05A7EA4E9898 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date is 04/XX/2006, HELOC Early Disclosure is dated 05/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
FD7AE9FA-3721-492A-9662-05A7EA4E9898 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of 05/XX/2006 is before midnight of date of 06/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
FD7AE9FA-3721-492A-9662-05A7EA4E9898 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of 05/XX/2006 is prior to end of rescission date of 06/XX/2006. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FD7AE9FA-3721-492A-9662-05A7EA4E9898 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No PPP Prohibited by State. PPP Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FD7AE9FA-3721-492A-9662-05A7EA4E9898 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date is 04/XX/2006, HELOC Early Disclosure is dated 05/19/2006. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B7734A3A-CEF2-4065-B2EF-01C3F3ABF3F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B7734A3A-CEF2-4065-B2EF-01C3F3ABF3F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
B7734A3A-CEF2-4065-B2EF-01C3F3ABF3F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM loan program disclosure dated 8/XX/06 provided after 3 days from application date 7/XX/06. (No Data) (No Data) (No Data) Not Applicable Complete
B7734A3A-CEF2-4065-B2EF-01C3F3ABF3F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B7734A3A-CEF2-4065-B2EF-01C3F3ABF3F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B7734A3A-CEF2-4065-B2EF-01C3F3ABF3F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B7734A3A-CEF2-4065-B2EF-01C3F3ABF3F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
35B5A9FA-3CE8-47D6-B987-B40A853ECC75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.423% with HMDA Benchmark Rate of 4.720% causing variance of 3.703% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
35B5A9FA-3CE8-47D6-B987-B40A853ECC75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
35B5A9FA-3CE8-47D6-B987-B40A853ECC75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
90B907D9-73BA-44FB-84E6-41FDCBFD58BD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 10/XX/2006 Test APR 10.807 HMDA Benchmark Rate 4.940 HMDA Benchmark/APR Variance 5.867 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
3CB74227-0667-4620-A5EE-794A512FB50A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date XXXTest APR XXX HMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXXViolates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
3CB74227-0667-4620-A5EE-794A512FB50A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Disclosure not dated (No Data) (No Data) (No Data) Not Applicable Complete
3CB74227-0667-4620-A5EE-794A512FB50A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No PPP expired (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F549B9AC-C95B-471A-8A4A-8DFA8890561D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.401% with HDMA bench mark rate of 4.780% causing variance of 6.621% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
F549B9AC-C95B-471A-8A4A-8DFA8890561D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date 1/XX/2006; ARM Loan Program Disclosure in file is dated 2/XX/2006; ARM Loan Program Disclosure not provided within 3 days. (No Data) (No Data) (No Data) Not Applicable Complete
F549B9AC-C95B-471A-8A4A-8DFA8890561D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Late Charge Payment,Note and Rider do not specify maximum interest rate. (No Data) (No Data) (No Data) Not Applicable Complete
BBB73137-C9D8-437D-970A-07D6DC647D64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
BBB73137-C9D8-437D-970A-07D6DC647D64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty per note is hard and lacks state required exclusion that the prepayment cannot be charged upon a lender to lender transaction. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
BBB73137-C9D8-437D-970A-07D6DC647D64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
BBB73137-C9D8-437D-970A-07D6DC647D64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
17D778B4-10AA-4BC7-90FC-3202BFEC533A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
17D778B4-10AA-4BC7-90FC-3202BFEC533A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ED8A1B4A-9BB7-403A-BF7B-FCC2C6A4896F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD 9/XX/2017: Transaction Information, Sellers reflected on addendum missing address. (No Data) (No Data) (No Data) Not Applicable Complete
ED8A1B4A-9BB7-403A-BF7B-FCC2C6A4896F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3955 TRID - CD: The Property Tax escrow indicator in the Projected Payments section disagrees with the Escrowed/Non-Escrowed Property Costs over Year 1 indicators in the Loan Disclosures section No CD: 09/XX/2017-1 [Last CD]: Projected Payments, Property Taxes in escrow? reflect Yes but Loan Disclosures, Escrowed Property Costs don't include Property Taxes. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
ED8A1B4A-9BB7-403A-BF7B-FCC2C6A4896F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3957 TRID - CD: The Homeowner's Insurance escrow indicator in the CD Projected Payments section is not consistent with the inclusion of Homeowner's insurance in Escrowed/Non-Escrowed Property Costs over Year 1 in the CD Loan Disclosures section No CD: 09/XX/2017-1 [Last CD]: Projected Payments, Homeowners Insurance in escrow? reflect Yes but Loan Disclosures, Escrowed Property Costs don't include Homeowners Insurance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
1E27528C-CF0E-4FF4-A918-4A853BAE54A6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing two years business tax returns for borrower 1 as required per DU approval. 12/XX/18 - I see that full Assets and income documentation were provided per the DU. 12/13/18 - Agree, satisfied. (No Data) Not Applicable Complete
1E27528C-CF0E-4FF4-A918-4A853BAE54A6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing an ATR/QM status determination. 12/XX/18 - status provided, Temporary SHQM 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
957E7F72-7028-47E2-8979-D0BA5FDD2393 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.811 HMDA Benchmark Rate 4.470 HMDA Benchmark/APR Variance 6.341 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
957E7F72-7028-47E2-8979-D0BA5FDD2393 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date 07/XX/2005, ARM Disclosure dated 08/XX/2005. Disclosure after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
957E7F72-7028-47E2-8979-D0BA5FDD2393 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable B B B B Compliance Finance Charge Tolerance Active N/A B N/A B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C35064D2-964A-4080-ABD7-640F4DA03E6C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Missing the bottom half of the HUD-1 on page 1 and 2. Were cut off from scanning. (No Data) (No Data) (No Data) Not Applicable Complete
C35064D2-964A-4080-ABD7-640F4DA03E6C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
C35064D2-964A-4080-ABD7-640F4DA03E6C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Due to missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C35064D2-964A-4080-ABD7-640F4DA03E6C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C35064D2-964A-4080-ABD7-640F4DA03E6C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C35064D2-964A-4080-ABD7-640F4DA03E6C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR disclosed expiration date is 12/XX/05; disbursement date is 12/XX/05. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C35064D2-964A-4080-ABD7-640F4DA03E6C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
160FA935-15F5-4AEE-BA92-FA7216CC03CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing initial Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
160FA935-15F5-4AEE-BA92-FA7216CC03CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing final HUD-1- Estimated HUD1 only in file. Fees captured from Estimate. (No Data) (No Data) (No Data) Not Applicable Complete
160FA935-15F5-4AEE-BA92-FA7216CC03CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP1681 TILA - TIL disclosure does not contain required notice No Final TIL is missing verbiage " You are not required to complete this agreement merely because you have received this disclosure or signed a new loan application." Also missing early/Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
160FA935-15F5-4AEE-BA92-FA7216CC03CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early/Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
160FA935-15F5-4AEE-BA92-FA7216CC03CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing initial GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA891FD0-B46D-4EAE-8D19-29021C8E8C33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
AA891FD0-B46D-4EAE-8D19-29021C8E8C33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
AA891FD0-B46D-4EAE-8D19-29021C8E8C33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
AA891FD0-B46D-4EAE-8D19-29021C8E8C33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA891FD0-B46D-4EAE-8D19-29021C8E8C33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3186 TILA - HELOC Exceeds APR Tolerance >0.125 No APR per review is 5.4750% versus 3.8360% with a daily periodic rate of 0.015% for a variance of -1.6390% exceeding the 0.125% tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA891FD0-B46D-4EAE-8D19-29021C8E8C33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
122E0F0C-D1E9-45CD-9171-97361E976E66 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Due to missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
122E0F0C-D1E9-45CD-9171-97361E976E66 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
122E0F0C-D1E9-45CD-9171-97361E976E66 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing initial GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
122E0F0C-D1E9-45CD-9171-97361E976E66 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
122E0F0C-D1E9-45CD-9171-97361E976E66 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
92702059-04BC-4581-A45D-0136A5ECE6A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
5B22A00D-18FE-44FC-B9E7-46C0469C4613 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date is before disclosed midnight of date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
5B22A00D-18FE-44FC-B9E7-46C0469C4613 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of XXX is before rescission period date of XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D5D9DE0D-2549-46C9-8320-A0A88C1F70D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D5D9DE0D-2549-46C9-8320-A0A88C1F70D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Missing page 2 of Note with borrower's signature. (No Data) (No Data) (No Data) Not Applicable Complete
D5D9DE0D-2549-46C9-8320-A0A88C1F70D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3274 Mortgage/Deed in file is incomplete Yes Missing pages 2,4,6,8,10 and 12 (No Data) (No Data) (No Data) Not Applicable Complete
D5D9DE0D-2549-46C9-8320-A0A88C1F70D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC869 Mortgage not signed Yes Missing page 12 with borrowers signature. (No Data) (No Data) (No Data) Not Applicable Complete
D5D9DE0D-2549-46C9-8320-A0A88C1F70D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
D5D9DE0D-2549-46C9-8320-A0A88C1F70D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D5D9DE0D-2549-46C9-8320-A0A88C1F70D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D5D9DE0D-2549-46C9-8320-A0A88C1F70D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
5534C0D9-F97F-43B9-8F79-D0FBFFCF2C10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
5534C0D9-F97F-43B9-8F79-D0FBFFCF2C10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXX HMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
5534C0D9-F97F-43B9-8F79-D0FBFFCF2C10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5534C0D9-F97F-43B9-8F79-D0FBFFCF2C10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5534C0D9-F97F-43B9-8F79-D0FBFFCF2C10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5534C0D9-F97F-43B9-8F79-D0FBFFCF2C10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5534C0D9-F97F-43B9-8F79-D0FBFFCF2C10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
5534C0D9-F97F-43B9-8F79-D0FBFFCF2C10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1121 Late Charge percentage exceeds customary maximum No Late fee per note reflects, If a payment is more than XXX days late, Borrower will be charged a late charge of the greater of XXX% of the payment amount; State Statute requires late fee of no more than XXX% of payment. (No Data) (No Data) (No Data) Not Applicable Complete
75B90FD8-2807-404A-89B0-95FD6010981A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No One Close construction-perm loan, due to amount of construction period interest. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
382936FE-E0DF-4600-95C9-A7CA2ABFFD35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
382936FE-E0DF-4600-95C9-A7CA2ABFFD35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete/Illegible HUD-1 in file- Missing pg. 2. Unable to capture fees for testing. 6/XX/2019 - Within the Origination Folder there are several copies of HUDS titled LN Settlement Statement - 1005,1006) 6/XX/2018 - Unable to locate document. Exception remains. (No Data) Not Applicable Complete
382936FE-E0DF-4600-95C9-A7CA2ABFFD35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
382936FE-E0DF-4600-95C9-A7CA2ABFFD35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
382936FE-E0DF-4600-95C9-A7CA2ABFFD35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
382936FE-E0DF-4600-95C9-A7CA2ABFFD35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
382936FE-E0DF-4600-95C9-A7CA2ABFFD35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1033450B-4030-4059-A1E0-1620688BF99C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application is missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1033450B-4030-4059-A1E0-1620688BF99C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
1033450B-4030-4059-A1E0-1620688BF99C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1033450B-4030-4059-A1E0-1620688BF99C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1033450B-4030-4059-A1E0-1620688BF99C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3FAF71F2-8821-4C69-B9D5-21CA6C7DAE7F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lender's ATR/QM status determination. 12/XX/18 - status provided, Safe Harbor QM 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
8EF28C4E-D59A-43B0-9FC9-404BAEA6745B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes NEW: Review status is QM: GSE Temporary - QM/RP, as loan is a Higher-Priced Covered Transaction. Lender status is HUD XXX QM. (No Data) (No Data) (No Data) Not Applicable Complete
8EF28C4E-D59A-43B0-9FC9-404BAEA6745B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. 12/XX/18 - Status provided, HUD Safe Harbor QM. 12/XX/18 - 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
8EF28C4E-D59A-43B0-9FC9-404BAEA6745B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP C C C C Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance Certificate is Missing (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
787FA70D-3358-4A82-A31B-F32179FE36E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3510 TRID - Loan Estimate: An LE is missing at least one required data point No LE Issued 03/XX/2016-1, Rate Lock, estimated closing costs expire is missing the Time. (No Data) (No Data) Hybrid Not Applicable Complete
787FA70D-3358-4A82-A31B-F32179FE36E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3602 TRID - Closing Disclosure: At least one section contains formatting that does not comply with the Regulation No CD:03/XX/2016, 3/XX/2016 and 4/XX/2016, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. E. Taxes and Other Government Fees. Recording Fees are not itemized. (No Data) (No Data) Non-Numeric Not Applicable Complete
787FA70D-3358-4A82-A31B-F32179FE36E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD Issued 03/XX/2016 was E-signed. Provide E Sign consent. 04/XX/2017 - E-sign consent received. 04/XX/2017 - Exception satisfied. E-sign consent received. (No Data) Not Applicable Complete
4257B7ED-F4FA-4765-BB19-40244C351492 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by XXX. Origination charge of XXX disclosed as XXX on final Itemization of Amount Financed 12/XX/18 - Agree, cannot provide cure Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4257B7ED-F4FA-4765-BB19-40244C351492 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B C B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
AB679B40-FA57-4653-BB7D-0C98EA08D4D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB679B40-FA57-4653-BB7D-0C98EA08D4D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.785%, HMDA benchmark rate 4.420%, variance 5.365% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
AB679B40-FA57-4653-BB7D-0C98EA08D4D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB679B40-FA57-4653-BB7D-0C98EA08D4D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB679B40-FA57-4653-BB7D-0C98EA08D4D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB679B40-FA57-4653-BB7D-0C98EA08D4D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
AB679B40-FA57-4653-BB7D-0C98EA08D4D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Funding Date (No Data) (No Data) (No Data) Not Applicable Complete
B1B8F793-701D-4018-9775-5D81C03DFC28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.440 HMDA Benchmark Rate 4.810 HMDA Benchmark/APR Variance 5.630 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B1B8F793-701D-4018-9775-5D81C03DFC28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date 03/XX/2007, Initial TIL dated 03/XX/2007. Not made within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
B1B8F793-701D-4018-9775-5D81C03DFC28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date 03/XX/2007, GFE dated 03/XX/2007 GFE given after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
14A5785A-40B0-4FE5-BFE2-4382862D3CB8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Missing evidence of change of circumstance letter or a copy of a refundable check in the amount of $96.00 for recording fee for ten percent tolerance fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A8DC6333-9828-48AC-ACA3-58567B8554C4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Lender did not provide ATR/QM status. 12/XX/18 - status provided, Temporary SHQM 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
9E89624D-2D83-4F4A-B366-3DFC43AADCFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C3FCC736-F87F-4DAD-B14F-CDE45AB4B066 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI FHA Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
C3FCC736-F87F-4DAD-B14F-CDE45AB4B066 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL disclosure statement. (No Data) (No Data) (No Data) Not Applicable Complete
DE6061E0-BE89-4E34-8156-A3ECFF18AFFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI FHA Cert. (No Data) (No Data) (No Data) Not Applicable Complete
DE6061E0-BE89-4E34-8156-A3ECFF18AFFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
E257A9DE-9E1B-4D9B-829B-BA4DDF615F87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.781% with HMDA Benchmark Rate of 4.280% causing variance of 5.501% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
3FCF6BA2-F182-4259-AABD-2572E370EF8F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Missing lender's itemization of amounts financed, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
09A61998-FCC4-425B-9E1F-389AD058242F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable A A A A                               Complete
227B4A9D-4D7B-4B10-B42A-14E74F31967F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
4D991FB7-18C8-441F-87ED-117D42FDB16C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
4D991FB7-18C8-441F-87ED-117D42FDB16C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing documentation to support increase DTI on seller defect. (No Data) (No Data) (No Data) Not Applicable Complete
4D991FB7-18C8-441F-87ED-117D42FDB16C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
4D991FB7-18C8-441F-87ED-117D42FDB16C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CDs 10/XX/2016-1, Final CD 10/XX/2016-1, & Post 10/XX/2016-1, Other Fees, Recording fees are not itemized. (No Data) (No Data) Hybrid Not Applicable Complete
4D991FB7-18C8-441F-87ED-117D42FDB16C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE: 9/XX/2016-1, 10/XX/2016-1, Section: NMLS and Contact Information, missing state when State ID is listed. Corrected on Final CD 10/XX/2016. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
0091DF5B-1E8D-471A-89CB-AC19B12A41FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing Lenders ATR QM Status determination. (No Data) (No Data) (No Data) Not Applicable Complete
0091DF5B-1E8D-471A-89CB-AC19B12A41FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing documentation on student loans and payment amounts for DTI. (No Data) (No Data) (No Data) Not Applicable Complete
0091DF5B-1E8D-471A-89CB-AC19B12A41FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Cert. (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
0091DF5B-1E8D-471A-89CB-AC19B12A41FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4463 TRID - Assumption selection on the CD does not match the clause in the mortgage. No CD dated 1/XX/17 and 2/XX/17Loan disclosure section indicates that the loan will not allow for assumptions. The loan was FHA, therefore it is assumable. (No Data) (No Data) Non-Numeric Not Applicable Complete
0091DF5B-1E8D-471A-89CB-AC19B12A41FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active D D D D CMPTRID3494 TRID - Loan Estimate Missing Yes The file was missing one or all Loan Estimates. (No Data) (No Data) (No Data) Not Applicable Complete
B994D273-6176-4BEE-BD24-57E073EC41EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing Lender's ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
B994D273-6176-4BEE-BD24-57E073EC41EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors. CBR dated 03/XX/18 states all FED Loan SERV debt is combined for a monthly payment of $399.60 which increases back end DTI to 57.22%, DU approved at 55.97%. B1 on job for 2 years and 2 months and B2 on job for 1 month. Combined residual income is $XXX monthly. (No Data) (No Data) (No Data) Not Applicable Complete
B994D273-6176-4BEE-BD24-57E073EC41EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance Certificate is missing. (No Data) Loan is not insured per tape, final grade B (No Data) Not Applicable Complete
B0A5FFDE-A0B5-465C-AC64-0734982D09AE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL is not signed by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
B0A5FFDE-A0B5-465C-AC64-0734982D09AE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
AAB4EB8A-69D4-4175-9622-786F78CAC05D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final not signed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
AAB4EB8A-69D4-4175-9622-786F78CAC05D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
727656BE-75E4-470A-AFEA-CB690CECD9BE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
6916B7D0-A3E6-42B9-B76B-2D3B052FEA03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
D85D7A9C-2DB5-4871-AFA1-3D4F90B43D76 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
701C50E1-540F-4624-9156-F37146B3F963 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due Loan does not meet DU requirement of payoff of $XXX tax liens. (No Data) (No Data) (No Data) Not Applicable Complete
701C50E1-540F-4624-9156-F37146B3F963 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM4625 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination No Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a better status than the Lender's status determination (No Data) (No Data) (No Data) Not Applicable Complete
701C50E1-540F-4624-9156-F37146B3F963 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Higher-Priced Active D D D D CMPFDHP2960 Federal Higher-priced mortgage loan - flip appraisal Seller acquired property within 90 days of sale; Appraisal from second appraiser required Yes Seller acquired property on 3/XX/2017 for $174,000 - trustees deed. Subject has new carpet and paint. Sales contract date is 5/XX/2017. Loan closed on 6/XX/2017 with sales price of $XXX. Appraised value is $XXX. Missing second appraisal. (No Data) (No Data) (No Data) Not Applicable Complete
701C50E1-540F-4624-9156-F37146B3F963 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Higher-Priced Active D D D D CMPFDHP2962 Federal Higher-priced mortgage loan - flip appraisal Seller acquired property within 180 days of sale; Appraisal from second appraiser required. Yes Seller acquired property on 3/XX/2017 for $XXX - trustees deed. Subject has new carpet and paint. Sales contract date is 5/XX/2017. Loan closed on 6/XX/2017 with sales price of $XXX. Appraised value is $XXX. Missing second appraisal (No Data) Duplicate (No Data) Not Applicable Complete
701C50E1-540F-4624-9156-F37146B3F963 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
346F75EE-E8F1-4D9E-B047-123E343BB5E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE ATR/QM: Not Provided QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance Certificate is missing. (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
346F75EE-E8F1-4D9E-B047-123E343BB5E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE ATR/QM: Not Provided QM: GSE Temporary - QM/SH B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Homeowners counseling organizations list not in file (No Data) (No Data) (No Data) Not Applicable Complete
346F75EE-E8F1-4D9E-B047-123E343BB5E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE ATR/QM: Not Provided QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers was not provided (No Data) (No Data) (No Data) Not Applicable Complete
346F75EE-E8F1-4D9E-B047-123E343BB5E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE ATR/QM: Not Provided QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No Final CD 09/XX/2017, Section: Summaries of Transactions, Sale Price of Property minus Loan Amount total is $XXX, this does not match Calculating Cash to Close, Section Down Payment/Funds from Borrower where the final amount is stated as $XXX. (No Data) (No Data) Numeric Not Applicable Complete
346F75EE-E8F1-4D9E-B047-123E343BB5E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE ATR/QM: Not Provided QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4319 TRID - CD: The Total Interest Percentage on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Interest Percentage No CD: 09/XX/2017-1 [Last CD], Section: Loan Calculation, Field: TIP, CD Value: 61.67%, XXX Value: 61.6748%. Difference of .0048%. Exceeds tolerance of .003% (No Data) (No Data) Numeric Not Applicable Complete
31311E38-703A-4B60-A969-B379256D9384 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination due to DTI of 57.41 based on non grossed up retirement income. (No Data) (No Data) (No Data) Not Applicable Complete
31311E38-703A-4B60-A969-B379256D9384 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to DTI of 57.41% based on non-grossed up retirement income. (No Data) (No Data) (No Data) Not Applicable Complete
31311E38-703A-4B60-A969-B379256D9384 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: 2/XX/18 Calculating Cash to Close Section: Closing Costs Financed - Final, Value: and XXX Calculation, Value: $XXX. PC CD 4/XX/18 satisfied the issue. (No Data) (No Data) Numeric Not Applicable Complete
A69451AF-A16C-4293-9D4F-F8EC104C6739 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A69451AF-A16C-4293-9D4F-F8EC104C6739 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A69451AF-A16C-4293-9D4F-F8EC104C6739 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9FF556E6-3286-4C32-8544-CACBB2C20DCA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors. VVOE for borrower not provided within 10 days of closing. (No Data) (No Data) (No Data) Not Applicable Complete
9FF556E6-3286-4C32-8544-CACBB2C20DCA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
90A2524B-F207-48E6-B6A2-9E65BB4BBCE4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.146% with HMDA Benchmark Rate of 4.930% causing variance of 5.216% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
AA7C5DCE-756E-4BEB-AFD9-72760D264FD7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.302% with HDMA bench mark rate of 4.840% causing variance of 5.462% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
AA7C5DCE-756E-4BEB-AFD9-72760D264FD7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
C2CD035E-FA3E-4B59-9190-FDC07E61FE60 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C2CD035E-FA3E-4B59-9190-FDC07E61FE60 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure not dated, unable to determine if it was provided in a timely manner. (No Data) (No Data) (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.483% with HMDA Benchmark Rate of 4.610% causing variance of 4.873% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. Unable to capture fees for testing. 1/XX/18 - Cure letter provided. 1/XX/18 - Exception remains, missing HUD-1. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active B B B B CMPTXHE321 TX Equity - Texas Equity : Missing T.42.1 Title Endorsement No Missing T.42.1 Title Endorsement. (No Data) (No Data) (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Texas Equity- Missing Itemized disclosure. 1/XX/18 - Cure letter provided. 1/XX/18 - Exception remains, missing itemized disclosure. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE118 Texas Equity - Affidavit of Fair Market Value not signed by borr/owners Yes Texas Equity - Affidavit of Fair Market Value not signed by borrowers/owners. 1/XX/18 - FMV provided 1/XX/18 - Exception remains, missing executed FMV by borrower's. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE305 TX Equity - borrower not provided copy of application pre-closing Yes TX Equity - Missing Initial Application. 1/XX/18 - Cure letter provided. 1/XX/18 - Exception remains, missing initial application. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE327 TX Equity - Owner and Spouse not provided 3 calendar day ROR period Yes TX Equity - Missing Right Of Rescission. 1/XX/18 - Cure letter provided. 1/XX/18 - Exception remains, missing ROR. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE114 TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) Yes Missing TX Notice Concerning Extensions of Credit. 1/XX/18 - Cure letter provided. 1/XX/18 - Exception remains, missing extensions of credit (12 day) (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE306 TX Equity - borr not given copy of final/app, closing docs Yes TX Equity- Missing Final Application. 1/XX/18 - Cure letter provided. 1/XX/18 - Exception remains, missing final application. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE308 Voluntary Same-Lender Debt disclosure not provided to borrower Yes Missing voluntary same lender debt disclosure. 1/XX/18 - Cure letter provided. 1/XX/18 - Exception remains, missing same lender debt disclosure. (No Data) Not Applicable Complete
96D5BDA0-3530-4592-A90B-4DC729492700 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Satisfied C B C B CMPTXHE119 Texas Equity - Affidavit of Fair Market Value not signed by lender No Texas Equity- Affidavit of Fair Market Value not signed by lender. 1/XX/18 - FMV executed by lender provided. 1/XX/18 - Exception satisfied. (No Data) Not Applicable Complete
A2C89E28-E0F0-4DF8-B3D4-B21683A0E5E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.425%, HMDA benchmark rate 4.800%, variance 4.625% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
711585F3-5D72-4CB8-AC1C-4A841494C787 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active B B B B CMPMAN4641 TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business No Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. (No Data) (No Data) (No Data) Not Applicable Complete
711585F3-5D72-4CB8-AC1C-4A841494C787 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing ARM Rider. (No Data) (No Data) (No Data) Not Applicable Complete
865B9BCB-E2F8-4E28-AE5B-22924CB1CA30 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date XXXTest APR XXXHMDA Benchmark Rate XXXHMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
865B9BCB-E2F8-4E28-AE5B-22924CB1CA30 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
865B9BCB-E2F8-4E28-AE5B-22924CB1CA30 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated XXX, application dated XXX. (No Data) (No Data) (No Data) Not Applicable Complete
865B9BCB-E2F8-4E28-AE5B-22924CB1CA30 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
865B9BCB-E2F8-4E28-AE5B-22924CB1CA30 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Prepayment penalty exceeds maximum allowed (%); PPP expired (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5A837DE2-E8B8-4FDD-A934-288C8334D4F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
5A837DE2-E8B8-4FDD-A934-288C8334D4F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
B8786B27-A8F5-4ACD-A850-13F24A355505 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B8786B27-A8F5-4ACD-A850-13F24A355505 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 3/XX/2007 Test APR 9.500 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 4.810 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
B8786B27-A8F5-4ACD-A850-13F24A355505 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B8786B27-A8F5-4ACD-A850-13F24A355505 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
714CDF3F-361E-4FB7-9819-88E9632E4001 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 3/XX/2008 Test APR 11.415 HMDA Benchmark Rate 4.350 HMDA Benchmark/APR Variance 7.065 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
C489B574-9C3D-4DB2-9821-5BD76CD7D2A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C489B574-9C3D-4DB2-9821-5BD76CD7D2A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.248% with HMDA Benchmark Rate 5.410% causing HMDA Benchmark/APR Variance 3.838% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
C489B574-9C3D-4DB2-9821-5BD76CD7D2A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
6B0BCB7E-A8C6-4C78-ADE6-C286C0CE8978 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6B0BCB7E-A8C6-4C78-ADE6-C286C0CE8978 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.808% with HMDA Benchmark Rate of 4.420% causing variance of 7.388% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
6B0BCB7E-A8C6-4C78-ADE6-C286C0CE8978 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
6B0BCB7E-A8C6-4C78-ADE6-C286C0CE8978 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date 05/XX/2008 is on disclosed midnight of date 05/XX/2008. (No Data) (No Data) (No Data) Not Applicable Complete
CEF2DFF6-0867-402F-B6BE-A6A3B7626992 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.112% with HMDA Benchmark Rate of 4.810% causing variance of 4.302% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
CEF2DFF6-0867-402F-B6BE-A6A3B7626992 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged on a bona-fide sale of the property. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
A842A896-097A-443E-9509-4E0F2C5B10B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A842A896-097A-443E-9509-4E0F2C5B10B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
A842A896-097A-443E-9509-4E0F2C5B10B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A842A896-097A-443E-9509-4E0F2C5B10B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A842A896-097A-443E-9509-4E0F2C5B10B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
A842A896-097A-443E-9509-4E0F2C5B10B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D6C4743E-FCF6-4D59-84B7-9C47D025BFAB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D6C4743E-FCF6-4D59-84B7-9C47D025BFAB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.551% with HMDA Benchmark Rate 5.190% causing HMDA Benchmark/APR Variance 5.361% which exceeds HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
D6C4743E-FCF6-4D59-84B7-9C47D025BFAB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C1D056BE-3C11-44C0-820A-2BE925F50B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.753% with HMDA Benchmark Rate of 4.690% causing variance of 6.063% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
C1D056BE-3C11-44C0-820A-2BE925F50B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C1D056BE-3C11-44C0-820A-2BE925F50B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required PPP disclosure. PPP expired 4/XX/2010 (No Data) (No Data) (No Data) Not Applicable Complete
1974D472-53A2-4700-B833-32D0962C7207 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Cert. (No Data) Tape indicates loan is no longer insured, final grade B (No Data) Not Applicable Complete
1974D472-53A2-4700-B833-32D0962C7207 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
1974D472-53A2-4700-B833-32D0962C7207 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1974D472-53A2-4700-B833-32D0962C7207 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1974D472-53A2-4700-B833-32D0962C7207 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
917D2874-5146-4542-88BE-2955DA60FD78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.221%, HMDA Benchmark Rate 4.920%, HMDA Benchmark/APR Variance 6.301%, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
917D2874-5146-4542-88BE-2955DA60FD78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
917D2874-5146-4542-88BE-2955DA60FD78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE in file. (No Data) (No Data) (No Data) Not Applicable Complete
917D2874-5146-4542-88BE-2955DA60FD78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No PPP in file indicates 6 months interest on amount prepaid in 12 months that is >20% of OPB at the Origination Rate of 9.445%. Prepayment penalty prohibited by State. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
468DC3B6-6819-4BEC-B2D9-319B83B15C9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Unable to determine funding date (No Data) (No Data) (No Data) Not Applicable Complete
38ED1A8A-85A8-45AF-9281-926071DBB14F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable A A A A                               Complete
EE44E362-E4A7-4450-8697-76890103DD0A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI cert (No Data) Loan is not insured per tape, final grade B (No Data) Not Applicable Complete
4A51510B-5488-44D2-9317-0B7C87838221 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.338% with HMDA Benchmark Rate of 4.720% causing variance of 6.618% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
95BE42B7-2958-488B-A63A-586105E0064B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.152% with HMDA Benchmark Rate of 4.690% causing variance of 4.462% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4E492E62-38C3-46D3-BCF8-640B46A3B8D5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Lender status is QM XXX, Review status is NON QM Lender documented all ATR UW Factors. DU approve ineligible due to loan approved with DTI 45.31%. (No Data) (No Data) (No Data) Not Applicable Complete
4E492E62-38C3-46D3-BCF8-640B46A3B8D5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor Non-QM: Lender documented all ATR UW factors C C C C Compliance Federal Consumer Protection Active C B C B CMPFDCP1683 TILA - Closing occurred prior to end of waiting period No 11/XX/15 closing occurred prior to 11/XX/15 end of waiting period due to 11/XX/15 corrected TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
12068C81-C97E-45D2-8057-E55531038742 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Cert (No Data) Loan is not insured per tape, final grade B (No Data) Not Applicable Complete
12068C81-C97E-45D2-8057-E55531038742 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance RESPA Active B B B B CMPRESPA2720 RESPA - List of homeowner's counseling organizations; insufficient information to confirm timely delivery. No Disclosure not dated (No Data) (No Data) (No Data) Not Applicable Complete
DF2EE608-3EA7-4373-8A22-9A1B22898364 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges are understated by $XXX. Missing list of fees included in APR and breakdown of credits when applicable. 12w/XX/18 - Disagree, provided calculations Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DF2EE608-3EA7-4373-8A22-9A1B22898364 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD 12/XX/2016. Final CD 12/XX/2016 and PC CD 01/XX/2017, Other Cost section E, Recording fees are not itemized. (No Data) (No Data) Hybrid Not Applicable Complete
DF2EE608-3EA7-4373-8A22-9A1B22898364 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No CD dated 12/XX/2016 unsigned with a Closing Date of 12/XX/16; Final CD dated 12/XX/16 signed 12/XX/16 with closing date of 12/XX/16. Loan closed before end of waiting period (6 days not observed). (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ADABD19A-9886-4976-99FB-0B5A561ECDBA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO QM: Safe Harbor QM: GSE Temporary - QM/SH C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination 12/XX/18 - status provided, XXX QM 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
114B3378-7B0F-4B40-A4ED-A135DB7DB600 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No 1) Final CD 06/XX/2016, Section: Summaries of Transactions, Adjustments and Other Credits Calculation is XXXHowever, Section: Calculating Cash to Close, Adjustments and Other Credits - Final column amount is stated as XXX2) Post Close CD 11/XX/2016, Section: Summaries of Transactions, Adjustments and Other Credits Calculation is (XXXHowever, Section: Calculating Cash to Close, Adjustments and Other Credits - Final column amount is stated as XXX (No Data) (No Data) Numeric Not Applicable Complete
114B3378-7B0F-4B40-A4ED-A135DB7DB600 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD 06/XX/16 and Post Close CD 11/XX/16 Calculating Cash to Close section (Loan Estimate column) does not match any LE (Calculating Cash to Close sections) provided. (No Data) (No Data) Non-Numeric Not Applicable Complete
114B3378-7B0F-4B40-A4ED-A135DB7DB600 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Initial CD 06/XX/2016 Loan Cost Section C All Fees listed is missing payee information. Also in Section E the recording fees are not itemized.Final CD 06/XX/2016 & Post Close CD 11/XX/2016 Loan Cost Section C Title-Title Insurance Services Fee is missing payee information. Also in Section E the recording fees are not itemized. (No Data) (No Data) Hybrid Not Applicable Complete
114B3378-7B0F-4B40-A4ED-A135DB7DB600 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need proof that Final LE 06/XX/2016 was delivered prior to Initial CD dated 06/XX/2016 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0F111375-F900-47FF-985C-FCD5451718C0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Not Provided QM: GSE Temporary - QM/SH D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0F111375-F900-47FF-985C-FCD5451718C0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Not Provided QM: GSE Temporary - QM/SH D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial Til (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0F111375-F900-47FF-985C-FCD5451718C0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Not Provided QM: GSE Temporary - QM/SH D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06A0A2C2-BCA6-4E47-89D9-41A4A9BEB2AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
11BF09B5-7BF9-4F6B-A567-C58378C988BF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. 12/XX/18 - status provided, HUD XXX QM 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
11BF09B5-7BF9-4F6B-A567-C58378C988BF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance Certificate is Missing (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
11BF09B5-7BF9-4F6B-A567-C58378C988BF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by more than $100 (Pmt Stream) Finance charge understated by-XXX 12/XX/18 - Agree, cannot provide cure Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
25CCE021-774E-43B5-8139-8A17B76D1666 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH QM: Safe Harbor QM: Safe Harbor C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lender's ATR/QM status determination, Review status is QM safe Harbor. 12/08/17 Client provided XXX 12/08/17 Client provided XXX exception satisfied (No Data) Not Applicable Complete
25CCE021-774E-43B5-8139-8A17B76D1666 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH QM: Safe Harbor QM: Safe Harbor C B C B Compliance Repayment Ability Active B B B B CMPSTRA119 OH CSPA - No lender analysis of repayment ability in file No Missing lender analysis of repayment ability (No Data) (No Data) (No Data) Not Applicable Complete
25CCE021-774E-43B5-8139-8A17B76D1666 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH QM: Safe Harbor QM: Safe Harbor C B C B Compliance State Consumer Protection Active B B B B CMPSTCP122 OH CSPA; Tangible Net Benefit worksheet not in file No Missing XXX Tangible Net Benefit worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
3E436C5D-A44F-46E4-8A63-60EFFEB3111D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable A A A A                               Complete
26EEC1F7-A31E-4AFF-A65F-C7D141D470A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
26EEC1F7-A31E-4AFF-A65F-C7D141D470A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure (No Data) (No Data) (No Data) Not Applicable Complete
26EEC1F7-A31E-4AFF-A65F-C7D141D470A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
26EEC1F7-A31E-4AFF-A65F-C7D141D470A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
26EEC1F7-A31E-4AFF-A65F-C7D141D470A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
26EEC1F7-A31E-4AFF-A65F-C7D141D470A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
26EEC1F7-A31E-4AFF-A65F-C7D141D470A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final Hud1 (No Data) (No Data) (No Data) Not Applicable Complete
26EEC1F7-A31E-4AFF-A65F-C7D141D470A1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E036B08A-9EE9-4DEC-BCD5-8DDC542A7A75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E036B08A-9EE9-4DEC-BCD5-8DDC542A7A75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
E036B08A-9EE9-4DEC-BCD5-8DDC542A7A75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired. (No Data) (No Data) (No Data) Not Applicable Complete
E036B08A-9EE9-4DEC-BCD5-8DDC542A7A75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2E10F608-E091-4094-A7E2-66AEB6D7B5AE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
040FE213-6609-4FE4-8CFC-3A13A7ACEFE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A A A A Compliance Documentation Satisfied A A A A CMPDOC4027 Incomplete file - unable to test No Only note, mortgage and title provided. 4/XX/2017 File provided. 4/XX/2017 Exception satisfied. (No Data) Not Applicable Complete
4C54D8E7-F0B0-4029-A733-B39B2A3AC85E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Borrower's Interest Active B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No XXX Borrower Interest; Worksheet missing. (No Data) (No Data) (No Data) Not Applicable Complete
71C14C2D-5B18-4D24-A1D2-5871AE828410 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA rate spread test 10.241%, benchmark 4.78%, 5.461% variance max allowed 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
71C14C2D-5B18-4D24-A1D2-5871AE828410 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $241.20, unable to determine source (fee match) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71C14C2D-5B18-4D24-A1D2-5871AE828410 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing funding date. (No Data) (No Data) (No Data) Not Applicable Complete
0A94FB57-3C40-440C-B36C-0D6BE447249C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.022% with HMDA Benchmark Rate of 4.690% causing variance of 3.332% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
53FAF557-E190-4992-B5CD-A1EDE51CF485 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Rate Spread test 9.006%, benchmark 5.01%, variance 3.996%, max allowed 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
53FAF557-E190-4992-B5CD-A1EDE51CF485 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
D735629F-3D30-4269-BC11-214758954DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D735629F-3D30-4269-BC11-214758954DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.248% with HMDA Benchmark Rate of 5.130% causing variance of 5.118% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D735629F-3D30-4269-BC11-214758954DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D735629F-3D30-4269-BC11-214758954DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D735629F-3D30-4269-BC11-214758954DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D735629F-3D30-4269-BC11-214758954DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D735629F-3D30-4269-BC11-214758954DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
D735629F-3D30-4269-BC11-214758954DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DD69C3BF-4B6A-46E2-9734-AE8E95CE52AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DD69C3BF-4B6A-46E2-9734-AE8E95CE52AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
DD69C3BF-4B6A-46E2-9734-AE8E95CE52AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
46C4BD36-B3BC-41D8-A060-461957D419BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed (No Data) (No Data) (No Data) Not Applicable Complete
46C4BD36-B3BC-41D8-A060-461957D419BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
F3A8F74F-CDC8-48CC-8E4C-FD9067997763 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F3A8F74F-CDC8-48CC-8E4C-FD9067997763 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
F3A8F74F-CDC8-48CC-8E4C-FD9067997763 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing (No Data) (No Data) (No Data) Not Applicable Complete
F3A8F74F-CDC8-48CC-8E4C-FD9067997763 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR1907 Incorrect ROR Form Used - Closed-End form on Open-End loan No Incorrect ROR Form Used - Closed-End form on Open-End loan. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F3A8F74F-CDC8-48CC-8E4C-FD9067997763 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3186 TILA - HELOC Exceeds APR Tolerance >0.125 No HELOC Exceeds APR Tolerance >0.125. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F3A8F74F-CDC8-48CC-8E4C-FD9067997763 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9D05D4CE-9E91-4B32-9955-DFAA3BA3D7C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.118%; HMDA benchmark rate 4.430%. Variance of 6.688% exceeds 1.5000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
9D05D4CE-9E91-4B32-9955-DFAA3BA3D7C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Higher-Priced Active C B C B CMPFDHP2083 Section 35 loan, current obligations not verfiied. No Missing Documentation of lenders verification of current obligations. Missing credit report (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A1951401-A96F-4E35-B661-67A09A5446D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A1951401-A96F-4E35-B661-67A09A5446D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.749% with HMDA Benchmark Rate of 5.280% causing variance of 4.469% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
A1951401-A96F-4E35-B661-67A09A5446D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A1951401-A96F-4E35-B661-67A09A5446D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
62632E03-6E87-45C6-8EA2-705C4425407B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.299%, HMDA Benchmark Rate 4.590%, HMDA Benchmark/APR Variance 5.709%, HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
9D808909-4B73-4609-8EB5-97DBB886910A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable A A A A                               Complete
DE6784A8-72FC-4D53-B303-0A21B9DEA1DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.062 HMDA Benchmark Rate 3.910 HMDA Benchmark/APR Variance 7.152 HMDA Rate Spread Trigger 3.0000 (No Data) (No Data) (No Data) Not Applicable Complete
DE6784A8-72FC-4D53-B303-0A21B9DEA1DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55A45894-62E0-4BA8-BAB6-6D7B0530D013 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application Date was 11/XX/2003 and GFE Date Delivered was 11/XX/2003 (No Data) (No Data) (No Data) Not Applicable Complete
D811B11F-F299-4CF9-8053-DF30017312C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable A A A A                               Complete
D26D3896-362D-4FB2-AAB3-B9BEFB6AFD98 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.104 - HMDA Benchmark Rate 4.530 = HMDA Benchmark/APR Variance 5.574 which exceed the max of HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
D26D3896-362D-4FB2-AAB3-B9BEFB6AFD98 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE dated from 2005; GFE in file dated 08/XX/2007 from 2nd mtg. (No Data) (No Data) (No Data) Not Applicable Complete
D26D3896-362D-4FB2-AAB3-B9BEFB6AFD98 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 from 2005; HUD1 in file dated 08/XX/2007 from 2nd mtg. (No Data) (No Data) (No Data) Not Applicable Complete
D26D3896-362D-4FB2-AAB3-B9BEFB6AFD98 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form from 2005, ROR file dated 08/XX/2007 from 2nd mtg. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
83A98D12-7142-4272-8B76-6F59566A5976 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
83A98D12-7142-4272-8B76-6F59566A5976 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.645% with HMDA Benchmark Rate 5.010% causing HMDA Benchmark/APR Variance 5.635% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
83A98D12-7142-4272-8B76-6F59566A5976 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
83A98D12-7142-4272-8B76-6F59566A5976 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
83A98D12-7142-4272-8B76-6F59566A5976 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D066B6A-2085-48BA-A77C-E81A6A3B1F72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D066B6A-2085-48BA-A77C-E81A6A3B1F72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D066B6A-2085-48BA-A77C-E81A6A3B1F72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D066B6A-2085-48BA-A77C-E81A6A3B1F72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D066B6A-2085-48BA-A77C-E81A6A3B1F72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1D066B6A-2085-48BA-A77C-E81A6A3B1F72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement Date on HUD and/or Note. Unable to determine funding date. (No Data) (No Data) (No Data) Not Applicable Complete
1D066B6A-2085-48BA-A77C-E81A6A3B1F72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A80D31A-F4E7-4B30-9CFE-01C59D059E75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.276% with HMDA Benchmark Rate of 4.380% causing variance of 5.896% which exceeds HMDA Rate spread Trigger of 1.500%. (No Data) (No Data) (No Data) Not Applicable Complete
2A80D31A-F4E7-4B30-9CFE-01C59D059E75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A80D31A-F4E7-4B30-9CFE-01C59D059E75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
2A80D31A-F4E7-4B30-9CFE-01C59D059E75 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active B B B B CMPTILA1955 Corrected TIL required; APR decreased on latest TIL outside of tolerance. No Missing Corrected TIL (No Data) (No Data) (No Data) Not Applicable Complete
3BB07B88-E05C-49B2-8130-37C01C007618 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.698% with HMDA Benchmark Rate of 4.480% causing variance of 6.218% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
98701911-E282-49B3-B214-CD58BC41EDAD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.629%, the benchmark APR is 4.470% resulting in a difference 7.159%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
98701911-E282-49B3-B214-CD58BC41EDAD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
3FB5A37F-C815-4564-B4EC-899EADD4104D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3FB5A37F-C815-4564-B4EC-899EADD4104D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD1. (No Data) (No Data) (No Data) Not Applicable Complete
3FB5A37F-C815-4564-B4EC-899EADD4104D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
565A2152-49FA-4206-98CD-B39A155E64C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.751% with HMDA Benchmark Rate of 4.470% causing variance of 5.281% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
565A2152-49FA-4206-98CD-B39A155E64C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX; due to last payment in payment stream per TIL is $1,166.24 and last payment in calculated payment stream is $1,305.13, which equals a difference of $138.89. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8B3BEB41-2160-402E-B86C-116E76EC4877 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8B3BEB41-2160-402E-B86C-116E76EC4877 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC3274 Mortgage/Deed in file is incomplete Yes Only first and last page provided (No Data) (No Data) (No Data) Not Applicable Complete
8B3BEB41-2160-402E-B86C-116E76EC4877 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
8B3BEB41-2160-402E-B86C-116E76EC4877 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8B3BEB41-2160-402E-B86C-116E76EC4877 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
8B3BEB41-2160-402E-B86C-116E76EC4877 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3D623ED-ECD3-4D98-BE4D-EF91CA943D9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.698 - HMDA Benchmark Rate 4.550 = HMDA Benchmark/APR Variance 7.148 which exceeds the max HMDA Rate Spread Trigger 3.0000%. (No Data) (No Data) (No Data) Not Applicable Complete
556C52AB-1EE9-4E3D-BCE5-08AEC6390C1B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
556C52AB-1EE9-4E3D-BCE5-08AEC6390C1B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 360 HMDA Benchmark Date 4/XX/2008 Test APR 11.813 HMDA Benchmark Rate 4.420 HMDA Benchmark/APR Variance 7.393 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
50AEE06A-36BA-41A2-9446-E0191124E1C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.467% with HMDA Benchmark Rate of 4.840% causing variance of 5.627% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
37B49213-8F17-4601-8EA6-7027D1B928CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
37B49213-8F17-4601-8EA6-7027D1B928CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.652 - HMDA Benchmark Rate 5.260 = HMDA Benchmark/APR Variance 4.392 which exceeds the max HMDA Rate Spread Trigger of 3.0000%. (No Data) (No Data) (No Data) Not Applicable Complete
37B49213-8F17-4601-8EA6-7027D1B928CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Due to Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
37B49213-8F17-4601-8EA6-7027D1B928CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
37B49213-8F17-4601-8EA6-7027D1B928CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
37B49213-8F17-4601-8EA6-7027D1B928CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
37B49213-8F17-4601-8EA6-7027D1B928CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD1 (No Data) (No Data) (No Data) Not Applicable Complete
37B49213-8F17-4601-8EA6-7027D1B928CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4240BA1-A89F-4DF6-BC2B-611066D05727 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F4240BA1-A89F-4DF6-BC2B-611066D05727 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.016% with HMDA Benchmark Rate of 5.020% causing variance of 3.996% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
F4240BA1-A89F-4DF6-BC2B-611066D05727 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEA25C6B-32BF-45C6-8F79-9D2E991AFE11 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEA25C6B-32BF-45C6-8F79-9D2E991AFE11 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 240 HMDA Benchmark Date 4/XX/2007 Test APR 11.333 HMDA Benchmark Rate 5.010 HMDA Benchmark/APR Variance 6.323 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
113160BF-0F81-4600-8402-50191B07A96A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
113160BF-0F81-4600-8402-50191B07A96A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Missing disclosure date, cannot determine if ARM Program Disclosure was provided in a timely manner. (No Data) (No Data) (No Data) Not Applicable Complete
C822F2C3-1CA6-4BAC-93E2-A8957AAA0EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
C822F2C3-1CA6-4BAC-93E2-A8957AAA0EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.345%; HMDA benchmark rate 5.000%. APR variance of 4.345% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
C822F2C3-1CA6-4BAC-93E2-A8957AAA0EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C822F2C3-1CA6-4BAC-93E2-A8957AAA0EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
C822F2C3-1CA6-4BAC-93E2-A8957AAA0EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1645E53E-0F52-4ECF-B797-D46D05DCDD03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1645E53E-0F52-4ECF-B797-D46D05DCDD03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Paystream per Note terms results in a Balloon payment. (No Data) (No Data) (No Data) Not Applicable Complete
1645E53E-0F52-4ECF-B797-D46D05DCDD03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1645E53E-0F52-4ECF-B797-D46D05DCDD03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1645E53E-0F52-4ECF-B797-D46D05DCDD03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1645E53E-0F52-4ECF-B797-D46D05DCDD03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1645E53E-0F52-4ECF-B797-D46D05DCDD03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
1645E53E-0F52-4ECF-B797-D46D05DCDD03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
08BAF55C-3D2A-42A4-AEB8-BC2EF4E2CA55 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
08BAF55C-3D2A-42A4-AEB8-BC2EF4E2CA55 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
08BAF55C-3D2A-42A4-AEB8-BC2EF4E2CA55 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
08BAF55C-3D2A-42A4-AEB8-BC2EF4E2CA55 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8A632512-FB0A-4526-B7A6-9F528CCB1FD9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8A632512-FB0A-4526-B7A6-9F528CCB1FD9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date 5/XX/2006 Test APR 11.061 HMDA Benchmark Rate 5.410 HMDA Benchmark/APR Variance 5.651 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
BEED090F-A2F9-411C-BD5B-E3BADD89CF64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BEED090F-A2F9-411C-BD5B-E3BADD89CF64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
DEE9F51C-D6C4-41CB-80F8-18EECB92201C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.309HMDA Benchmark Rate 4.28HMDA Benchmark/APR Variance 5.029HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
3149EC3B-96FB-40BA-9C21-ECE9123380AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.999%; HMDA benchmark rate 4.340%. APR variance of 6.659% exceeds 1.500% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
3149EC3B-96FB-40BA-9C21-ECE9123380AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Missing evidence of disbursement date. HUD 1 does not reflect a Disbursement date, used settlement date of 11/XX/10 (No Data) (No Data) (No Data) Not Applicable Complete
3149EC3B-96FB-40BA-9C21-ECE9123380AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing evidence of disbursement date. HUD 1 does not reflect a Disbursement date, used settlement date of 11/04/10 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
99CE414B-36BA-4E85-8098-BAFADBB14304 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.010% with HMDA Benchmark Rate of 5.130% causing variance of 4.880% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
6A083AED-3AD1-4B1D-9A61-80687078EBAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A083AED-3AD1-4B1D-9A61-80687078EBAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6A083AED-3AD1-4B1D-9A61-80687078EBAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A083AED-3AD1-4B1D-9A61-80687078EBAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A083AED-3AD1-4B1D-9A61-80687078EBAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A083AED-3AD1-4B1D-9A61-80687078EBAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6A083AED-3AD1-4B1D-9A61-80687078EBAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
6A083AED-3AD1-4B1D-9A61-80687078EBAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC3274 Mortgage/Deed in file is incomplete Yes Only first and last page provided. (No Data) (No Data) (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.783%, HMDA Benchmark Rate 5.410%, HMDA Benchmark/APR Variance 6.373%, HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
03D995DC-7E6C-4303-9152-BEB58A7B4870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
46FAC029-6093-44C5-803E-E0F1A2348B3A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
46FAC029-6093-44C5-803E-E0F1A2348B3A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active A B A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.488%; HMDA benchmark rate 4.590%. APR variance of 6.898% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
46FAC029-6093-44C5-803E-E0F1A2348B3A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
46FAC029-6093-44C5-803E-E0F1A2348B3A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
46FAC029-6093-44C5-803E-E0F1A2348B3A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
80CDC5F9-C50F-4800-8B33-93F7BB00A23E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
80CDC5F9-C50F-4800-8B33-93F7BB00A23E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.745% with HMDA Benchmark Rate of 4.830% causing variance of 6.915% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
80CDC5F9-C50F-4800-8B33-93F7BB00A23E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
80CDC5F9-C50F-4800-8B33-93F7BB00A23E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A36667A-C9FD-4CBB-B837-C2106C214717 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.540%; HMDA benchmark rate 4.670%. APR variance of 3.870% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
7A36667A-C9FD-4CBB-B837-C2106C214717 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
7B1433BB-C0F7-4C9B-BEC4-0B17310AD3DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7B1433BB-C0F7-4C9B-BEC4-0B17310AD3DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.551% with HMDA Benchmark Rate of 4.860% causing variance of 6.691% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
CFA4EF39-8759-444A-9C7C-D1927E2B8E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CFA4EF39-8759-444A-9C7C-D1927E2B8E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
CFA4EF39-8759-444A-9C7C-D1927E2B8E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
CFA4EF39-8759-444A-9C7C-D1927E2B8E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A40F0755-A76D-449C-8744-2FD37D4D49E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A40F0755-A76D-449C-8744-2FD37D4D49E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
A40F0755-A76D-449C-8744-2FD37D4D49E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
A40F0755-A76D-449C-8744-2FD37D4D49E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A40F0755-A76D-449C-8744-2FD37D4D49E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E3612EC3-D926-4CA2-A7A2-1EB5EE42F48E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.754% with HMDA Benchmark Rate 4.550% causing HMDA Benchmark/APR Variance 3.204% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
E3612EC3-D926-4CA2-A7A2-1EB5EE42F48E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
007D8285-44F5-4F7F-8232-EF874B220C01 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
007D8285-44F5-4F7F-8232-EF874B220C01 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
007D8285-44F5-4F7F-8232-EF874B220C01 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
007D8285-44F5-4F7F-8232-EF874B220C01 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
007D8285-44F5-4F7F-8232-EF874B220C01 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
007D8285-44F5-4F7F-8232-EF874B220C01 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
007D8285-44F5-4F7F-8232-EF874B220C01 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
65948007-4457-4135-9290-958B01FE8EEA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
65948007-4457-4135-9290-958B01FE8EEA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
65948007-4457-4135-9290-958B01FE8EEA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term HMDA Benchmark Date 4/XX/2005 Test APR 9.930 HMDA Benchmark Rate 4.730 HMDA Benchmark/APR Variance 5.200 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
CFF5045B-A3FF-4041-A274-CB76C7B410BF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.435 %, the benchmark APR is 5.340% which results in a difference of 6.095% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
202BAC09-DD46-433C-A029-54BF04E288FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
202BAC09-DD46-433C-A029-54BF04E288FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
202BAC09-DD46-433C-A029-54BF04E288FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
202BAC09-DD46-433C-A029-54BF04E288FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR Form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93495075-5030-43CE-8574-5B248373226E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93495075-5030-43CE-8574-5B248373226E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title Commitment and/or Final Title (No Data) (No Data) (No Data) Not Applicable Complete
93495075-5030-43CE-8574-5B248373226E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 9.500%. HMDA Benchmark Rate is 4.930%. APR Variance is 4.570% exceeding HMDA Rate Spread Trigger of 3.00%. (No Data) (No Data) (No Data) Not Applicable Complete
93495075-5030-43CE-8574-5B248373226E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
93495075-5030-43CE-8574-5B248373226E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
93495075-5030-43CE-8574-5B248373226E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR Form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
58B29029-E955-47CA-BE1C-E75FFAF922C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
58B29029-E955-47CA-BE1C-E75FFAF922C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 10.354%. HMDA Benchmark Rate is 4.720%. APR Variance is 5.634% exceeding HMDA Rate Spread Trigger of 3.00%. (No Data) (No Data) (No Data) Not Applicable Complete
CB462DBA-E36C-40FC-8736-65D3B29261D4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CB462DBA-E36C-40FC-8736-65D3B29261D4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
CB462DBA-E36C-40FC-8736-65D3B29261D4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.190% with HMDA Benchmark Rate 4.880% causing HMDA Benchmark/APR Variance 7.310% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
CB462DBA-E36C-40FC-8736-65D3B29261D4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Paystream per Note results in a Balloon payment. (No Data) (No Data) (No Data) Not Applicable Complete
CB462DBA-E36C-40FC-8736-65D3B29261D4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
CB462DBA-E36C-40FC-8736-65D3B29261D4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
CB462DBA-E36C-40FC-8736-65D3B29261D4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C14DABAD-D0C9-4D66-8A73-FFDA474CEBB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C14DABAD-D0C9-4D66-8A73-FFDA474CEBB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.601% with HMDA Benchmark Rate of 4.690% causing variance of 5.911% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
C14DABAD-D0C9-4D66-8A73-FFDA474CEBB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C14DABAD-D0C9-4D66-8A73-FFDA474CEBB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C14DABAD-D0C9-4D66-8A73-FFDA474CEBB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
48AC5C38-A8BE-4D14-A297-1FC856DF39DB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A A A A                               Complete
799A6546-EB7C-4EF5-BB6E-005A1C4F17EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.393%; HMDA benchmark rate 5.540%. APR variance of 3.853% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
799A6546-EB7C-4EF5-BB6E-005A1C4F17EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Missing Initial GFE, GFE in the file is dated at closing 06/XX/2004, Application Date: 5/XX/2004 (No Data) (No Data) (No Data) Not Applicable Complete
799A6546-EB7C-4EF5-BB6E-005A1C4F17EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No Regulation Z designates the H9 rescission form as the form designed for same-lender refinance transactions; for this loan, the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; however, since the 3rd Circuit decided that the H-8 is not appropriate notice, XXX grades the use of an H8 form in a same-lender refinance in 3rd Circuit states as material. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
123C750E-7A1D-4C24-AFB6-054CA4349422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
123C750E-7A1D-4C24-AFB6-054CA4349422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
123C750E-7A1D-4C24-AFB6-054CA4349422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.293%, the benchmark APR is 4.590% resulting in a difference 6.703%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
123C750E-7A1D-4C24-AFB6-054CA4349422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
123C750E-7A1D-4C24-AFB6-054CA4349422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Estimated and Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
123C750E-7A1D-4C24-AFB6-054CA4349422 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DA662353-747C-4E56-8BF7-31E6B7CDDF64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DA662353-747C-4E56-8BF7-31E6B7CDDF64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.129% with HMDA Benchmark Rate 4.760% causing HMDA Benchmark/APR Variance 5.369% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
DA662353-747C-4E56-8BF7-31E6B7CDDF64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
356FFFBD-E3E5-44C1-BDF6-B937689B1193 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
356FFFBD-E3E5-44C1-BDF6-B937689B1193 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A0B6419-7E9A-48CA-A013-0E0A3A169451 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A0B6419-7E9A-48CA-A013-0E0A3A169451 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC3182 Early TIL not in file No Missing Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A0B6419-7E9A-48CA-A013-0E0A3A169451 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.938%, the benchmark APR is 4.290% resulting in a difference 6.648%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
2A0B6419-7E9A-48CA-A013-0E0A3A169451 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2A0B6419-7E9A-48CA-A013-0E0A3A169451 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2A0B6419-7E9A-48CA-A013-0E0A3A169451 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
2A0B6419-7E9A-48CA-A013-0E0A3A169451 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission Form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
54D18ADE-DAC6-42A4-A1CB-EDDAB916EB35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.625% with HMDA Benchmark Rate 4.580% causing HMDA Benchmark/APR Variance 7.045% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
AA7FB234-C392-412E-A8A7-5436A8370E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA7FB234-C392-412E-A8A7-5436A8370E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.407%; HMDA benchmark rate 4.860%. APR variance of 4.547% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
AA7FB234-C392-412E-A8A7-5436A8370E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
AA7FB234-C392-412E-A8A7-5436A8370E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
AA7FB234-C392-412E-A8A7-5436A8370E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
AA7FB234-C392-412E-A8A7-5436A8370E89 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
00B1BC0A-3D9B-48E8-BB03-D48446EB3685 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
00B1BC0A-3D9B-48E8-BB03-D48446EB3685 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
00B1BC0A-3D9B-48E8-BB03-D48446EB3685 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1E8DE7B2-2680-48FD-86D6-A890A8B7D4ED XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.249% with HDMA bench mark rate of 4.830% causing variance of 5.419% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
96F544C7-3531-4CC5-983F-3FD242F7B76A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application from 2002; 1003 in file from 04/XX/2000 prior loan. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9DC0A0DA-7E46-4F89-A248-50E1220BA83C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.381%; HMDA benchmark rate 4.860%. APR variance of 7.521% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
9DC0A0DA-7E46-4F89-A248-50E1220BA83C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
9DC0A0DA-7E46-4F89-A248-50E1220BA83C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
64D51CA6-7CDB-48C2-BEF9-2EF15461B7EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
64D51CA6-7CDB-48C2-BEF9-2EF15461B7EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
64D51CA6-7CDB-48C2-BEF9-2EF15461B7EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.970%, the benchmark APR is 4.120% resulting in a difference 7.850%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
64D51CA6-7CDB-48C2-BEF9-2EF15461B7EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
64D51CA6-7CDB-48C2-BEF9-2EF15461B7EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Estimated and Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
64D51CA6-7CDB-48C2-BEF9-2EF15461B7EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
692F3E96-C7EB-46A8-85BD-FB385D24A499 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.521% with HMDA Benchmark Rate of 4.940% causing variance of 4.581% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
692F3E96-C7EB-46A8-85BD-FB385D24A499 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
692F3E96-C7EB-46A8-85BD-FB385D24A499 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
96D1664C-8E55-4189-BD88-A50644DD9621 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
96D1664C-8E55-4189-BD88-A50644DD9621 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.418% with HMDA Benchmark Rate of 4.530% causing variance of 4.888% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
96D1664C-8E55-4189-BD88-A50644DD9621 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
96D1664C-8E55-4189-BD88-A50644DD9621 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
96D1664C-8E55-4189-BD88-A50644DD9621 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FD3F3550-932A-4D6C-BB45-E5A276723359 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FD3F3550-932A-4D6C-BB45-E5A276723359 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
FD3F3550-932A-4D6C-BB45-E5A276723359 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
FD3F3550-932A-4D6C-BB45-E5A276723359 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
FD3F3550-932A-4D6C-BB45-E5A276723359 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C41C7A73-0346-48E8-85F8-C9F8FFAC99A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C41C7A73-0346-48E8-85F8-C9F8FFAC99A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.240%; HMDA benchmark rate 5.270%. APR variance of 4.970% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
C41C7A73-0346-48E8-85F8-C9F8FFAC99A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C41C7A73-0346-48E8-85F8-C9F8FFAC99A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Initial and Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
C41C7A73-0346-48E8-85F8-C9F8FFAC99A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D477BB2-2787-4E92-9EBD-6665E83589B8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.689% with HMDA Benchmark Rate 4.670% causing HMDA Benchmark/APR Variance 4.019% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D39033CC-E60D-442E-B78F-BA1F4CA7A0A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.819% with HMDA Benchmark Rate of 4.710% causing variance of 5.109% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
D39033CC-E60D-442E-B78F-BA1F4CA7A0A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
D39033CC-E60D-442E-B78F-BA1F4CA7A0A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
D39033CC-E60D-442E-B78F-BA1F4CA7A0A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7F358D85-C468-45F9-B65E-2610FF2B2980 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application; unable to verify purpose. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7F358D85-C468-45F9-B65E-2610FF2B2980 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Due to Missing TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7F358D85-C468-45F9-B65E-2610FF2B2980 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to Missing TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7F358D85-C468-45F9-B65E-2610FF2B2980 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7F358D85-C468-45F9-B65E-2610FF2B2980 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
7F358D85-C468-45F9-B65E-2610FF2B2980 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD (No Data) (No Data) (No Data) Not Applicable Complete
7F358D85-C468-45F9-B65E-2610FF2B2980 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7F358D85-C468-45F9-B65E-2610FF2B2980 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1121 Late Charge percentage exceeds customary maximum No Late Charge is 10% of P&I after 10 days which exceeds customary maximum of 5%. (No Data) (No Data) (No Data) Not Applicable Complete
443DFB47-D777-4931-B054-72753EF3C103 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable A A A A                               Complete
7E44A4BB-BDBA-4C2E-8DD9-17689FF9A39A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX; Missing TIL itemization unable to determine source. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E7BE8C68-DA44-4351-9401-60243D4DC575 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 8.948%, the benchmark APR is 4.960% resulting in a difference 3.988%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
053B07AC-12F3-4A65-BE4C-7FE5AA92C29C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.499%, HMDA Benchmark Rate 4.660%, HMDA Benchmark/APR Variance 4.839%, HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
053B07AC-12F3-4A65-BE4C-7FE5AA92C29C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
6033127F-8F6E-44C8-AF74-C8BC47D36172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6033127F-8F6E-44C8-AF74-C8BC47D36172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
6033127F-8F6E-44C8-AF74-C8BC47D36172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.544% with HMDA Benchmark Rate of 5.220% causing variance of 3.324% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
6033127F-8F6E-44C8-AF74-C8BC47D36172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
6033127F-8F6E-44C8-AF74-C8BC47D36172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. Unable to determine source of understatement, missing TIL Itemization. Due to missing SC Attorney choice disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6033127F-8F6E-44C8-AF74-C8BC47D36172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
6033127F-8F6E-44C8-AF74-C8BC47D36172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EAB71BD0-46CC-40BD-9329-9A8E66CC42FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EAB71BD0-46CC-40BD-9329-9A8E66CC42FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
EAB71BD0-46CC-40BD-9329-9A8E66CC42FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.479%, the benchmark APR is 4.380 % which results in a difference of 7.099% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
EAB71BD0-46CC-40BD-9329-9A8E66CC42FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
EAB71BD0-46CC-40BD-9329-9A8E66CC42FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1 (No Data) (No Data) (No Data) Not Applicable Complete
EAB71BD0-46CC-40BD-9329-9A8E66CC42FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
57346719-30AA-4B5A-939D-60CC0F3842E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 8.749%, the benchmark APR is 4.760 % which results in a difference of 3.989% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
57346719-30AA-4B5A-939D-60CC0F3842E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
57346719-30AA-4B5A-939D-60CC0F3842E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
57346719-30AA-4B5A-939D-60CC0F3842E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0A1CFA9A-FEF0-40F5-A730-27A34ABC861C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0A1CFA9A-FEF0-40F5-A730-27A34ABC861C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
0A1CFA9A-FEF0-40F5-A730-27A34ABC861C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0563E76A-586D-4586-AFE1-760128127B9F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage (No Data) (No Data) (No Data) Not Applicable Complete
0563E76A-586D-4586-AFE1-760128127B9F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is unknown. (No Data) (No Data) (No Data) Not Applicable Complete
A901F1A1-947B-4939-918F-196FB6EE1AA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A901F1A1-947B-4939-918F-196FB6EE1AA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
A901F1A1-947B-4939-918F-196FB6EE1AA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
A901F1A1-947B-4939-918F-196FB6EE1AA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
02973F06-C3E3-4A3A-90B5-29170E843815 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
02973F06-C3E3-4A3A-90B5-29170E843815 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.511% with HMDA Benchmark Rate of 4.070% causing variance of 6.441% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
02973F06-C3E3-4A3A-90B5-29170E843815 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
02973F06-C3E3-4A3A-90B5-29170E843815 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
393524A6-9D60-4063-B851-16C72235CDDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.332% with HMDA Benchmark Rate 5.020% causing HMDA Benchmark/APR Variance 5.312% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
393524A6-9D60-4063-B851-16C72235CDDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8466A8B2-B900-4865-AAC9-A2B34883AAAB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
8466A8B2-B900-4865-AAC9-A2B34883AAAB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0FCD41E7-6E31-4B9E-BAF3-F8DCBC31A445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0FCD41E7-6E31-4B9E-BAF3-F8DCBC31A445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
0FCD41E7-6E31-4B9E-BAF3-F8DCBC31A445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 240 HMDA Benchmark Date 2/XX/2008 Test APR 11.732HMDA Benchmark Rate 4.550 HMDA Benchmark/APR Variance 7.182HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
0FCD41E7-6E31-4B9E-BAF3-F8DCBC31A445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
0FCD41E7-6E31-4B9E-BAF3-F8DCBC31A445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
0FCD41E7-6E31-4B9E-BAF3-F8DCBC31A445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
28B3586F-78C6-4F91-9C5B-C01FF446243A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 9.703% per final TIL with a benchmark rate of 4.550% resulting in a variance of 5.153% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
AADEABAF-95E0-4670-AF1B-2B937D65A2CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.550%, the benchmark APR is 4.710% resulting in a difference 4.840%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
AADEABAF-95E0-4670-AF1B-2B937D65A2CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
AADEABAF-95E0-4670-AF1B-2B937D65A2CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL disclosed Finance Charge $XXX. Paystream Finance Charge $XXX. Difference of $XXX exceeds maximum tolerance of $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A23762B6-CF5A-4CE4-86D6-3D9CD254E7CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A23762B6-CF5A-4CE4-86D6-3D9CD254E7CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
A23762B6-CF5A-4CE4-86D6-3D9CD254E7CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
A23762B6-CF5A-4CE4-86D6-3D9CD254E7CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A8593A8B-AC39-41C8-BB49-6871CBBDD989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A8593A8B-AC39-41C8-BB49-6871CBBDD989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A8593A8B-AC39-41C8-BB49-6871CBBDD989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A8593A8B-AC39-41C8-BB49-6871CBBDD989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final and Estimated HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
A8593A8B-AC39-41C8-BB49-6871CBBDD989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B13ED8B0-D1A6-4084-B221-462A1F4EE4DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.540%, the benchmark APR is 5.190% resulting in a difference 4.350%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
B13ED8B0-D1A6-4084-B221-462A1F4EE4DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B13ED8B0-D1A6-4084-B221-462A1F4EE4DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Estimated and Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
B13ED8B0-D1A6-4084-B221-462A1F4EE4DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F86AF248-5CBA-4AEC-8670-28688013989C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Rate Spread test 10.201%, benchmark 4.96%, variance 5.241%, max allowed is 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
83D6F384-D3ED-4380-AD0B-F44CAD7C0FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.9643% with HDMA bench mark rate of 4.760% causing variance of 3.204% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
83D6F384-D3ED-4380-AD0B-F44CAD7C0FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX pay stream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. Unable to determine source of understatement, missing TIL Itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
83D6F384-D3ED-4380-AD0B-F44CAD7C0FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
83D6F384-D3ED-4380-AD0B-F44CAD7C0FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7748E941-847C-406B-A5E3-8EDDFE19410E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7748E941-847C-406B-A5E3-8EDDFE19410E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.994%; HMDA benchmark rate 4.780%. APR variance of 7.214% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
5B139C98-440F-415C-816C-CA1DA435AD53 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 240 HMDA Benchmark Date 8/XX/2007 Test APR 10.689 HMDA Benchmark Rate 5.070 HMDA Benchmark/APR Variance 5.619 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
5B139C98-440F-415C-816C-CA1DA435AD53 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge per TIL is $XXX, actual finance charge calculation is $XXX per payment stream, causing an understatement of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5B139C98-440F-415C-816C-CA1DA435AD53 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C37FC2D4-F8A7-4D42-9E12-293C34743433 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C37FC2D4-F8A7-4D42-9E12-293C34743433 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 12/XX/2005 Test APR 9.881 HMDA Benchmark Rate 4.750 HMDA Benchmark/APR Variance 5.131 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
C37FC2D4-F8A7-4D42-9E12-293C34743433 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C37FC2D4-F8A7-4D42-9E12-293C34743433 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
C37FC2D4-F8A7-4D42-9E12-293C34743433 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D10C9C44-5AF0-4A97-91E3-97EC8703FB8B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ADC67BA1-F010-4266-93B3-FEB0F47ECF22 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ADC67BA1-F010-4266-93B3-FEB0F47ECF22 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.004% with HMDA Benchmark Rate of 4.560% causing variance of 6.444% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
ADC67BA1-F010-4266-93B3-FEB0F47ECF22 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ADC67BA1-F010-4266-93B3-FEB0F47ECF22 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
ADC67BA1-F010-4266-93B3-FEB0F47ECF22 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
707F4C30-62B7-49A9-91C2-2450D2A58326 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
707F4C30-62B7-49A9-91C2-2450D2A58326 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing ROR (No Data) (No Data) (No Data) Not Applicable Complete
707F4C30-62B7-49A9-91C2-2450D2A58326 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
67E9D460-3B0E-459E-BDB6-4B267925A583 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
67E9D460-3B0E-459E-BDB6-4B267925A583 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 8.914% per final TIL with a benchmark rate of 5.540% resulting in a variance of 3.374% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
67E9D460-3B0E-459E-BDB6-4B267925A583 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
88708190-8DE9-484D-977F-2FED5B78D35B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge per TIL is $XXX, actual finance charge calculation is $XXX per payment stream, causing an understatement of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
88708190-8DE9-484D-977F-2FED5B78D35B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
88708190-8DE9-484D-977F-2FED5B78D35B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
88708190-8DE9-484D-977F-2FED5B78D35B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3BCFB257-BC5F-4FA5-9224-48259FFCBF30 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
3BCFB257-BC5F-4FA5-9224-48259FFCBF30 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
3BCFB257-BC5F-4FA5-9224-48259FFCBF30 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
384250AC-584F-4B3A-97D7-C170258A85D1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.599% with HMDA Benchmark Rate of 4.730% causing variance of 3.869% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
384250AC-584F-4B3A-97D7-C170258A85D1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
384250AC-584F-4B3A-97D7-C170258A85D1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1 (No Data) (No Data) (No Data) Not Applicable Complete
384250AC-584F-4B3A-97D7-C170258A85D1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
81E31590-F3E8-4A82-8DA8-278ECFEB2F9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
614A978B-DD7A-450E-B337-E14CAF95D47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.840% with HMDA Benchmark Rate of 4.550% causing variance of 4.290% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
614A978B-DD7A-450E-B337-E14CAF95D47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
614A978B-DD7A-450E-B337-E14CAF95D47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
614A978B-DD7A-450E-B337-E14CAF95D47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
614A978B-DD7A-450E-B337-E14CAF95D47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
409CE7C7-3A98-499E-963B-49FEBAEAC727 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
409CE7C7-3A98-499E-963B-49FEBAEAC727 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
409CE7C7-3A98-499E-963B-49FEBAEAC727 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
955410C8-40FD-414C-8386-C256B74D60FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
955410C8-40FD-414C-8386-C256B74D60FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge per TIL is $XXX, actual finance charge calculation is $XXX per payment stream, causing an understatement of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EF80C039-7DF2-4946-B8EA-D0E530A3675E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EF80C039-7DF2-4946-B8EA-D0E530A3675E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.001%, the benchmark APR is 4.880% which results in a difference of 4.121% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
EF80C039-7DF2-4946-B8EA-D0E530A3675E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
EF80C039-7DF2-4946-B8EA-D0E530A3675E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Hud-1. (No Data) (No Data) (No Data) Not Applicable Complete
EF80C039-7DF2-4946-B8EA-D0E530A3675E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8638A47F-F14A-4F2C-8952-A38D1D4F249A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.414%, the benchmark APR is 4.30% which results in a difference of 7.114% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
8638A47F-F14A-4F2C-8952-A38D1D4F249A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
8638A47F-F14A-4F2C-8952-A38D1D4F249A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD (No Data) (No Data) (No Data) Not Applicable Complete
8638A47F-F14A-4F2C-8952-A38D1D4F249A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D2C55B12-0A2D-422B-8A58-5F675AEA513F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D2C55B12-0A2D-422B-8A58-5F675AEA513F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
D2C55B12-0A2D-422B-8A58-5F675AEA513F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.578% with HMDA Benchmark Rate of 4.690% causing variance of 5.888% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
D2C55B12-0A2D-422B-8A58-5F675AEA513F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D2C55B12-0A2D-422B-8A58-5F675AEA513F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D2C55B12-0A2D-422B-8A58-5F675AEA513F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
D2C55B12-0A2D-422B-8A58-5F675AEA513F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6B7AC7AD-B402-49FC-963A-1E41027F3BFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.758 HMDA Benchmark Rate 4.530 HMDA Benchmark/APR Variance 4.228 HMDA Rate Spread Trigger 3.0000 (No Data) (No Data) (No Data) Not Applicable Complete
6B7AC7AD-B402-49FC-963A-1E41027F3BFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6B7AC7AD-B402-49FC-963A-1E41027F3BFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
6B7AC7AD-B402-49FC-963A-1E41027F3BFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
02E0B08C-D530-4AD4-9F41-0213E0AC22FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
02E0B08C-D530-4AD4-9F41-0213E0AC22FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.261% with HMDA Benchmark Rate of 5.000% causing variance of 4.261% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
02E0B08C-D530-4AD4-9F41-0213E0AC22FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
02E0B08C-D530-4AD4-9F41-0213E0AC22FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F8F0B69A-1EC7-4CB5-84D4-0C0E7E516331 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F8F0B69A-1EC7-4CB5-84D4-0C0E7E516331 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.009%, the benchmark APR is 4.880% resulting in a difference 4.129%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
F8F0B69A-1EC7-4CB5-84D4-0C0E7E516331 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
F8F0B69A-1EC7-4CB5-84D4-0C0E7E516331 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL disclosed Finance Charge $XXX. Paystream Finance Charge $XXX for a difference of $XXX. Attorney fee of XXX not included. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F8F0B69A-1EC7-4CB5-84D4-0C0E7E516331 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F8F0B69A-1EC7-4CB5-84D4-0C0E7E516331 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D602E32-1341-4C4A-8CB5-ABBFCC02D75F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application, defaulted to 30 days prior to note date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D602E32-1341-4C4A-8CB5-ABBFCC02D75F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Rate spread test 9.76%, benchmark 4.58%, 4.66% variance, 3 % max allowed. (No Data) (No Data) (No Data) Not Applicable Complete
4D602E32-1341-4C4A-8CB5-ABBFCC02D75F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
4D602E32-1341-4C4A-8CB5-ABBFCC02D75F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD (No Data) (No Data) (No Data) Not Applicable Complete
4D602E32-1341-4C4A-8CB5-ABBFCC02D75F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71B23169-DF5E-4363-9E7B-BC5EE0A6D1E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71B23169-DF5E-4363-9E7B-BC5EE0A6D1E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.769% with HMDA Benchmark Rate 4.960% causing HMDA Benchmark/APR Variance 4.808% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
71B23169-DF5E-4363-9E7B-BC5EE0A6D1E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
71B23169-DF5E-4363-9E7B-BC5EE0A6D1E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
71B23169-DF5E-4363-9E7B-BC5EE0A6D1E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0650409C-C6B8-41CC-844B-23EAB2171B86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active N/A C N/A C CMPDOC101 Unresolved title issue Yes Per sch B of final Title listed under H. Judgment dated 01/XX/2003, not listed on HUD1 to be paid off. Subject mortgage recorded on 08/XX/2005 (No Data) (No Data) (No Data) Not Applicable Complete
0650409C-C6B8-41CC-844B-23EAB2171B86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.280 - HMDA Benchmark Rate 4.530 = HMDA Benchmark/APR Variance 3.750 which exceed the max HMDA Rate Spread Trigger of 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
0650409C-C6B8-41CC-844B-23EAB2171B86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D C D C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. The Attorney Closing Fee was not included as a Prepaid finance charge. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0650409C-C6B8-41CC-844B-23EAB2171B86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0650409C-C6B8-41CC-844B-23EAB2171B86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7FA05BD5-6030-4BB0-B0D4-D56CBC081FF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active N/A B N/A B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7FA05BD5-6030-4BB0-B0D4-D56CBC081FF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.096%; HMDA benchmark rate 4.910%. APR variance of 5.186% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
7FA05BD5-6030-4BB0-B0D4-D56CBC081FF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
7FA05BD5-6030-4BB0-B0D4-D56CBC081FF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7FA05BD5-6030-4BB0-B0D4-D56CBC081FF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE is dated 2/XX/2007. Application date is 1/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
7FA05BD5-6030-4BB0-B0D4-D56CBC081FF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D965D529-00E4-4D32-817A-38A757B7D962 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.047 %, the benchmark APR is 5.410% which results in a difference of 5.637% which exceeds the maximum allowed of 3.00%. (No Data) (No Data) (No Data) Not Applicable Complete
F903010E-3215-44AD-A283-A88BFA07EA07 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 8.976 %, the benchmark APR is 4.56% which results in a difference of 4.416% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
2AF7329F-7BB9-4D17-B0A4-8B4BE6F1AECA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Rate Spread test 10.002%, benchmark 5.28%, variance 4.722%, max allowed 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
2AF7329F-7BB9-4D17-B0A4-8B4BE6F1AECA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charge understated by $XXX, unable to determine source, fees disclosed on itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7924894C-F705-444E-BCED-0E696F4CA0A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.955 HMDA Benchmark Rate 4.910 HMDA Benchmark/APR Variance 4.045 HMDA Rate Spread Trigger 3.0000 (No Data) (No Data) (No Data) Not Applicable Complete
7924894C-F705-444E-BCED-0E696F4CA0A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
7924894C-F705-444E-BCED-0E696F4CA0A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final Hud1 (No Data) (No Data) (No Data) Not Applicable Complete
7924894C-F705-444E-BCED-0E696F4CA0A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
96B0C333-7ED1-43BC-9543-F38B54DE1192 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 360 HMDA Benchmark Date 6/XX/2005 Test APR 9.990 HMDA Benchmark Rate 4.490 HMDA Benchmark/APR Variance 5.500 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
96B0C333-7ED1-43BC-9543-F38B54DE1192 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9C45AACE-1941-45AB-9364-FB7F62F317FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9C45AACE-1941-45AB-9364-FB7F62F317FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.534% with HMDA Benchmark Rate 4.980% causing HMDA Benchmark/APR Variance 7.554% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
54FAD8F9-D7B0-4C4E-BF0F-52E37BDA9BA1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
54FAD8F9-D7B0-4C4E-BF0F-52E37BDA9BA1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
54FAD8F9-D7B0-4C4E-BF0F-52E37BDA9BA1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
54FAD8F9-D7B0-4C4E-BF0F-52E37BDA9BA1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
54FAD8F9-D7B0-4C4E-BF0F-52E37BDA9BA1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D042E5AD-44ED-4A48-B9DB-8A2C3EA976B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable A A A A                               Complete
72ED2AF3-F3D9-41BD-A8D0-00AC8A47A12C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
72ED2AF3-F3D9-41BD-A8D0-00AC8A47A12C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.851% with HMDA Benchmark Rate 4.750% causing HMDA Benchmark/APR Variance 5.101% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
72ED2AF3-F3D9-41BD-A8D0-00AC8A47A12C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
72ED2AF3-F3D9-41BD-A8D0-00AC8A47A12C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F86E4B25-A440-4FEC-8259-F8F71E55FDB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.556%, HMDA Benchmark Rate 4.760%, HMDA Benchmark/APR Variance 4.796%, HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
F86E4B25-A440-4FEC-8259-F8F71E55FDB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
F86E4B25-A440-4FEC-8259-F8F71E55FDB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F86E4B25-A440-4FEC-8259-F8F71E55FDB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE date 11/XX/2005, application dated 10/XX/05. (No Data) (No Data) (No Data) Not Applicable Complete
F86E4B25-A440-4FEC-8259-F8F71E55FDB7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F860EA4D-DFF7-49BA-A445-49BE7404BABE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F860EA4D-DFF7-49BA-A445-49BE7404BABE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
F860EA4D-DFF7-49BA-A445-49BE7404BABE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
F860EA4D-DFF7-49BA-A445-49BE7404BABE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F860EA4D-DFF7-49BA-A445-49BE7404BABE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
F860EA4D-DFF7-49BA-A445-49BE7404BABE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
63C8259D-7ECA-4F34-9D65-84B20E1C01CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
113ABB9B-9D24-491F-8B09-03DF0AFF6871 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
113ABB9B-9D24-491F-8B09-03DF0AFF6871 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
113ABB9B-9D24-491F-8B09-03DF0AFF6871 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
113ABB9B-9D24-491F-8B09-03DF0AFF6871 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
113ABB9B-9D24-491F-8B09-03DF0AFF6871 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D9BD3962-E973-4277-9EFA-67E69D17F806 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D9BD3962-E973-4277-9EFA-67E69D17F806 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.663% with HMDA Benchmark Rate of 4.930% causing variance of 4.733% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
26C57389-72D7-493E-8A25-05B13FCE2E55 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8DE43423-4A6B-46F3-87D1-6D0CDF31A4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8DE43423-4A6B-46F3-87D1-6D0CDF31A4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 9.387% per final TIL with a benchmark rate of 4.860% resulting in a variance of 4.527% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
8DE43423-4A6B-46F3-87D1-6D0CDF31A4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8DE43423-4A6B-46F3-87D1-6D0CDF31A4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD. (No Data) (No Data) (No Data) Not Applicable Complete
8DE43423-4A6B-46F3-87D1-6D0CDF31A4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3EF4E2FE-F337-477C-B5CA-564D8778DF0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3EF4E2FE-F337-477C-B5CA-564D8778DF0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 10.747% per final TIL with a benchmark rate of 4.910% resulting in a variance of 5.837% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
E6CA6C59-8A73-47C0-8A43-65E7A910FEA9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 12/XX/2006 Test APR 11.211 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 6.491 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
12ECAC09-35E5-49C6-8C9D-EA2529208F39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C D C D Compliance Documentation Active N/A D N/A D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Missing complete breakdown of Title Charges line 1101 $XXX - 1104 $XXX - 1111 $XXX = $XXX difference. Unable to determine fee allocation (No Data) (No Data) (No Data) Not Applicable Complete
12ECAC09-35E5-49C6-8C9D-EA2529208F39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C D C D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.598 %, the benchmark APR is 4.420% which results in a difference of 7.178% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
12ECAC09-35E5-49C6-8C9D-EA2529208F39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C D C D Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No Revised HUD-1 showing correct charges not provided. (No Data) (No Data) (No Data) Not Applicable Complete
12ECAC09-35E5-49C6-8C9D-EA2529208F39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C D C D Compliance RESPA Active C B C B CMPRESPA2840 RESPA-Fee subject to 10% tolerance is greater on HUD than on GFE; no evidence of refund in the file No Fees exceed tolerance by $XXX, no evidence of refund in the file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7E3C4326-DCEA-4236-81DD-D19928059ADE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.500%; HMDA benchmark rate 4.430%. APR variance of 6.070% exceeds 1.500% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
7E3C4326-DCEA-4236-81DD-D19928059ADE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Earliest GFE in file dated 9/XX/10; Application date is 9/XX/2010. (No Data) (No Data) (No Data) Not Applicable Complete
B5CA38AE-3F35-4AC0-879A-172116C8D5AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A A A A                               Complete
2D9BD152-6F6F-4C9B-8C52-E5648C1DC699 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2D9BD152-6F6F-4C9B-8C52-E5648C1DC699 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.749% with HMDA Benchmark Rate of 4.710% causing variance of 6.039% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
C02EE6CF-0D45-4DE2-B4C1-705753EC2C9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 8.363% per final TIL with a benchmark rate of 4.960% resulting in a variance of 3.403% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
EC484F2B-4B08-4C2F-AE12-347DA214B89D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EC484F2B-4B08-4C2F-AE12-347DA214B89D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 8.515% per final TIL with a benchmark rate of 5.340% resulting in a variance of 3.175% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
EC484F2B-4B08-4C2F-AE12-347DA214B89D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
EC484F2B-4B08-4C2F-AE12-347DA214B89D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD. (No Data) (No Data) (No Data) Not Applicable Complete
EC484F2B-4B08-4C2F-AE12-347DA214B89D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F3B34C8-98D3-4E45-9A86-21D5BA0EAA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active B B B B CMPDOC879 Loan subject to mandatory arbitration clause No Loan subject to mandatory arbitration clause. (No Data) (No Data) (No Data) Not Applicable Complete
5F3B34C8-98D3-4E45-9A86-21D5BA0EAA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F3B34C8-98D3-4E45-9A86-21D5BA0EAA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 240 HMDA Benchmark Date 1/XX/2004 Test APR 8.605 HMDA Benchmark Rate 4.870 HMDA Benchmark/APR Variance 3.735 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
9E3CC592-64A9-446E-820F-9224B9761DA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E3CC592-64A9-446E-820F-9224B9761DA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E3CC592-64A9-446E-820F-9224B9761DA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E3CC592-64A9-446E-820F-9224B9761DA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E3CC592-64A9-446E-820F-9224B9761DA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9E3CC592-64A9-446E-820F-9224B9761DA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
9E3CC592-64A9-446E-820F-9224B9761DA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
580C5724-E7A8-4D74-95C7-F7984DCAA44A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date 06/XX/2003 is before end of statutory rescission period 06/XX/2003.- Note states date fin charge begins to accrue is 06/XX/2003. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
580C5724-E7A8-4D74-95C7-F7984DCAA44A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B7ED33ED-8145-48A4-AD94-6F4B95DAD925 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active B B B B CMPDOC879 Loan subject to mandatory arbitration clause No Loan subject to mandatory arbitration clause; does not have removal upon sale clause. (No Data) (No Data) (No Data) Not Applicable Complete
B7ED33ED-8145-48A4-AD94-6F4B95DAD925 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B7ED33ED-8145-48A4-AD94-6F4B95DAD925 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.022% with HMDA Benchmark Rate of 4.490% causing variance of 5.532% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
FA6BDC15-3255-4422-BF81-6193256FF5A2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.351% with HMDA Benchmark Rate 5.00% causing HMDA Benchmark/APR Variance 6.351% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
170F1D17-41D9-4324-A837-E27B2EA11061 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.085% with HMDA Benchmark Rate of 5.260% causing variance of 4.825% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
170F1D17-41D9-4324-A837-E27B2EA11061 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B4D27601-8F58-494F-B683-5DF46A2F0441 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.632 - HMDA Benchmark Rate 4.920 = HMDA Benchmark/APR Variance 6.712 which exceeds the max HMDA Rate Spread Trigger of 1.5000%. (No Data) (No Data) (No Data) Not Applicable Complete
CDD45138-31F2-4B1E-80FF-A3745E3A34FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.882% with HMDA Benchmark Rate of 4.280% causing variance of 7.602% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
CDD45138-31F2-4B1E-80FF-A3745E3A34FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CDD45138-31F2-4B1E-80FF-A3745E3A34FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE is dated 8/XX/11 which is given after 3 days from application of 8/XX/11. (No Data) (No Data) (No Data) Not Applicable Complete
81547680-B011-4DC0-BF99-6FFA036D2CBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.134%; HMDA benchmark rate 5.030%. APR variance of 7.104% exceeds 1.5000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
81547680-B011-4DC0-BF99-6FFA036D2CBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 02/XX/2010 is dated more than three business days of application date of 12/XX/2009 (No Data) (No Data) (No Data) Not Applicable Complete
81547680-B011-4DC0-BF99-6FFA036D2CBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date reflected on hud-1 of 03/XX/2010 reflects closing date (No Data) (No Data) (No Data) Not Applicable Complete
81547680-B011-4DC0-BF99-6FFA036D2CBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date reflected on hud-1 of 03/XX/2010 reflects closing date (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
81547680-B011-4DC0-BF99-6FFA036D2CBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Section 32 Active B B B B CMPS322063 Lender's disclosed APR exceeds HOEPA threshold No Lender's APR is 12.49%; benchmark rate is 4.360%. Variance of 8.130% exceeds HOEPA threshold of 8.000%. (No Data) (No Data) (No Data) Not Applicable Complete
81547680-B011-4DC0-BF99-6FFA036D2CBE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance State High Cost Active B B B B CMPSTHC2065 Lender's disclosed APR exceeds state high cost threshold No Lender's APR is 12.49%; benchmark rate is 4.360%. Variance of 8.130% exceeds threshold of 8.000%. (No Data) (No Data) (No Data) Not Applicable Complete
E497E904-409C-42FA-81B1-0000EFEA740E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable A A A A                               Complete
D8424498-3A8B-48C4-8B9F-ABA739CB57F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.120 HMDA Benchmark Rate 4.780 HMDA Benchmark/APR Variance 5.340 HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
742A8FB2-0E18-422F-995E-AD9D1DE7F09D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
2FE046D1-2479-4C83-A9D9-50ECED03BB5E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active B B B B CMPDOC879 Loan subject to mandatory arbitration clause No Arbitration agreement in file signed by borrowers at closing. (No Data) (No Data) (No Data) Not Applicable Complete
2FE046D1-2479-4C83-A9D9-50ECED03BB5E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. GFE date of 1/XX/04 used for date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2FE046D1-2479-4C83-A9D9-50ECED03BB5E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Rate spread TIL 8.75%, test 5.130% variance 6.62%, max allowed 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
2FE046D1-2479-4C83-A9D9-50ECED03BB5E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
58AA7D3C-A172-49DD-9012-B5C8D78E0AEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active D D D D CMPMAN2478 Missing Legal Documentation Yes Missing Modification (No Data) (No Data) (No Data) Not Applicable Complete
58AA7D3C-A172-49DD-9012-B5C8D78E0AEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
58AA7D3C-A172-49DD-9012-B5C8D78E0AEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
58AA7D3C-A172-49DD-9012-B5C8D78E0AEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
917F0418-BFD6-4878-AF2C-A1993C3C3D78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
917F0418-BFD6-4878-AF2C-A1993C3C3D78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.000%; HMDA benchmark rate 5.010%. APR variance of 3.9900% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
917F0418-BFD6-4878-AF2C-A1993C3C3D78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
917F0418-BFD6-4878-AF2C-A1993C3C3D78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
917F0418-BFD6-4878-AF2C-A1993C3C3D78 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0560A786-D956-40F5-9552-C2C4F4DE278B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D9801DA4-961D-444E-B546-F8176FA9CF37 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Final Title reflects two previous liens paid off from proceeds of loan unreleased. Prior lien from FHA 2/XX/1986 and AVCO 02/XX/1999 unreleased from final title policy. (No Data) (No Data) (No Data) Not Applicable Complete
34ABF489-431C-409A-A5DF-5B5AC4F6E56A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Missing initial GFE dated within 3 days of Application date of 07/XX2006 (No Data) (No Data) (No Data) Not Applicable Complete
B67C44A2-625F-4528-A88F-B8F82F2EA00F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B67C44A2-625F-4528-A88F-B8F82F2EA00F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
55342096-FC4B-4A6A-A58C-CA44AB499CB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to ATR/QM mortgage rule; Lender did not document borrowers income documentation and credit report. (No Data) (No Data) (No Data) Not Applicable Complete
55342096-FC4B-4A6A-A58C-CA44AB499CB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
55342096-FC4B-4A6A-A58C-CA44AB499CB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowners Counseling Organizations list. (No Data) (No Data) (No Data) Not Applicable Complete
55342096-FC4B-4A6A-A58C-CA44AB499CB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3618 TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing Yes due to missing LE (No Data) (No Data) (No Data) Not Applicable Complete
55342096-FC4B-4A6A-A58C-CA44AB499CB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided Yes No LE disclosing fees in file; Only document is final CD (No Data) (No Data) Numeric Not Applicable Complete
55342096-FC4B-4A6A-A58C-CA44AB499CB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. Yes No LE disclosing fees in file; Only document is final CD (No Data) (No Data) (No Data) Not Applicable Complete
55342096-FC4B-4A6A-A58C-CA44AB499CB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active D D D D CMPTRID3494 TRID - Loan Estimate Missing Yes Missing LE (No Data) (No Data) (No Data) Not Applicable Complete
744DFA43-7879-4E76-84F3-FC3F05E776BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 11.200%, the benchmark APR is 4.720% resulting in a difference of 6.480%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
744DFA43-7879-4E76-84F3-FC3F05E776BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Per ROR, Rescission Period ends midnight of 12/XX/2006. HUD -1 discloses Distribution date as 12/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
744DFA43-7879-4E76-84F3-FC3F05E776BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Per ROR, Rescission Period ends midnight of 12/XX/2006. HUD -1 discloses Distribution date as 12/XX/2006. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93F97978-A73B-40A6-B911-2143291FE00D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.879 - HMDA Benchmark Rate 5.130 = HMDA Benchmark/APR Variance 3.749, which exceeds the max HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
93F97978-A73B-40A6-B911-2143291FE00D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
33B09590-DBE0-4F9E-8B58-EE9358F8DB91 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 08/XX/2007; disbursement date per file 08/XX/2007. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
33B09590-DBE0-4F9E-8B58-EE9358F8DB91 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 08/XX/2007; disbursement date per file 08/XX/2007. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39DE6688-13E2-455E-AA1B-EFA650D8765C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. Title in file not for subject transaction. (No Data) (No Data) (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
04690AF2-3B44-4E51-BAD5-DD6506E792E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2EA765D2-F8C2-4448-B2FA-C0DCDE0B596B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2EA765D2-F8C2-4448-B2FA-C0DCDE0B596B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3FDED146-CA67-47B2-850A-7A5A39F34163 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
71669889-373C-42A3-9096-5AF66A5EF1F9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 03/XX/XX04; disbursement date per file 03/XX/XX04. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
EE98A85A-BCEE-49B2-A57A-C17D479A4CA4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
AB14C5F3-0F22-4560-88CC-7FA5BDF14AEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
AB14C5F3-0F22-4560-88CC-7FA5BDF14AEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
AB14C5F3-0F22-4560-88CC-7FA5BDF14AEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D50C3EC9-C964-43F5-A595-7109A305A104 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
6C69DEA3-CD2A-41E1-8154-A53EBF2E927B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
A45F1D82-C083-4E82-821E-2109A153B62D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A45F1D82-C083-4E82-821E-2109A153B62D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A45F1D82-C083-4E82-821E-2109A153B62D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A45F1D82-C083-4E82-821E-2109A153B62D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
A45F1D82-C083-4E82-821E-2109A153B62D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A45F1D82-C083-4E82-821E-2109A153B62D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D9CA35A2-CE58-4FBD-A146-DCB180C2871B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
DF39F549-E057-4516-ABF6-7778B21EB069 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL, TIL provided as final is dated 7/XX/04, loan closed on 8/XX/04. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DF39F549-E057-4516-ABF6-7778B21EB069 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL, TIL provided as final is dated 7/XX/04, loan closed on 8/XX/04. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DF39F549-E057-4516-ABF6-7778B21EB069 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL, TIL provided as final is dated 7/XX/04, loan closed on 8/XX/04. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DF39F549-E057-4516-ABF6-7778B21EB069 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 08/XX/XX04; disbursement date per file 08/XX/2004. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
DF39F549-E057-4516-ABF6-7778B21EB069 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 08/XX/XX04 is prior to end of earliest rescission date allowable of 08/XX/2004. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DF39F549-E057-4516-ABF6-7778B21EB069 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 08/XX/2004; disbursement date per file 08/XX/XX04 Borrower did not receive full mandatory rescission period prior to disbursement of funds." (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA6EF3A4-C70A-4DFB-804D-54DF5BB6AEDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
AA6EF3A4-C70A-4DFB-804D-54DF5BB6AEDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR discloses Rescission Expiration date as midnight XXX, Per HUD-1, Interest Begins XXX (No Data) (No Data) (No Data) Not Applicable Complete
AA6EF3A4-C70A-4DFB-804D-54DF5BB6AEDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR discloses Rescission Expiration date as midnight XXX, Per HUD-1, Interest Begins XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
22CB88E9-2C79-4EF0-9EA2-6950A71DE034 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
A40E29BB-AEE6-41FF-A268-B3D5400BE1E9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
2941537E-DFA0-4B2E-A5E4-5478B80D845B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3274 Mortgage/Deed in file is incomplete Yes Missing mortgage page 16; borrower's signature & notary. (No Data) (No Data) (No Data) Not Applicable Complete
2941537E-DFA0-4B2E-A5E4-5478B80D845B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC806 Notary Status is missing Yes Missing mortgage page 16; borrower's signature & notary. (No Data) (No Data) (No Data) Not Applicable Complete
2941537E-DFA0-4B2E-A5E4-5478B80D845B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC869 Mortgage not signed Yes Missing mortgage page 16; borrower's signature & notary. (No Data) (No Data) (No Data) Not Applicable Complete
2941537E-DFA0-4B2E-A5E4-5478B80D845B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
A935599A-B72F-4982-A219-792A1F186437 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
3A69F3E8-432E-4DE7-9639-3C5CC9030B8D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3A69F3E8-432E-4DE7-9639-3C5CC9030B8D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3A69F3E8-432E-4DE7-9639-3C5CC9030B8D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DA1CC0D3-617A-4BC1-A2D2-3BB735B1091B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No TIL 1st payment date showing as 03/XX/05 does not match Note 1st payment date of 03/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E52435BB-76CE-4947-B569-A6ADEAC31B8B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
6202E4AB-F5E8-4DD3-8540-8AEFC550FB1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
93E79880-91C0-4C8C-A630-627D9EFE0A3F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
4D57675F-EA18-45C2-86FB-0D00015D7278 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
890F2F9F-CCFC-48A2-99CC-08A46E526E0C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Per Note in file stated Loan term of 192 payments based on 12/XX/2021 maturity date differs from TIL payment stream of 180 payments. Maturity date appears to be incorrect, s/b as 12/XX/20. PI amort term based on 180. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CD635C96-AED0-4572-9B9F-3116A38A2B74 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
B650807F-711D-47F4-BF66-6A286798F1E4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
9921EEC9-B7E2-4753-B20D-A1B62562391E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
9921EEC9-B7E2-4753-B20D-A1B62562391E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges per TIL $XXX, loan understated by $XXX settlement fee of $XXX not included in finance charges. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9921EEC9-B7E2-4753-B20D-A1B62562391E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 10/XX/2006; disbursement date per file 10/XX/2006. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
8B4B40B2-F5FD-4B32-893F-E0723BA2E87A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
93CB2DDA-4E98-4267-AE88-2A460FB9316B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A0DE32C4-7272-496D-A8A5-74D830DA9A21 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
571C2736-B826-4D73-B41E-E4ADAB0EB5D5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A Compliance Documentation Satisfied A A A A CMPDOC4027 Incomplete file - unable to test No No origination documents received. 07-XX-2018: Origination documents received 07-XX-2018: Exception satisfied (No Data) Not Applicable Complete
5F033938-4031-41A3-BB7C-BF12A990D5C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A Compliance Documentation Satisfied A A A A CMPDOC4027 Incomplete file - unable to test No No origination documents received. 07-XX-2018: Origination documents received 07-XX-2018: Exception satisfied (No Data) Not Applicable Complete
D5323F36-B8AE-4BF2-A24E-7BB4E00FFA0D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
9C7A4EB3-E897-4F9B-A6E6-AECAB019E3B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note (No Data) (No Data) (No Data) Not Applicable Complete
9C7A4EB3-E897-4F9B-A6E6-AECAB019E3B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9C7A4EB3-E897-4F9B-A6E6-AECAB019E3B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9C7A4EB3-E897-4F9B-A6E6-AECAB019E3B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9C7A4EB3-E897-4F9B-A6E6-AECAB019E3B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
9C7A4EB3-E897-4F9B-A6E6-AECAB019E3B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EE7851A4-C0E0-4F59-914D-50CF7C35E3DF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
8EE01F0A-2C49-4068-9F55-C570E7940642 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Prepaid Finance Charges understatement by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CAB1CB69-73D3-4C4F-B936-76BA340F13FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX,resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
12B3380D-BE98-441E-88E6-756E8D9EC39E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
D95B9EC1-1419-44A3-AF4A-38F1C6FA8D4D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.501% with HMDA Benchmark Rate of 4.480% causing variance of 3.021% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active B B B B CMPDOC155 Application Missing No (No Data) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes (No Data) (No Data) (No Data) (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes (No Data) (No Data) (No Data) (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes (No Data) (No Data) (No Data) (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No (No Data) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP308 TILA - Missing TIL at closing No (No Data) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No (No Data) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No (No Data) (No Data) (No Data) (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes (No Data) (No Data) (No Data) (No Data) Not Applicable Complete
CBC9C971-BFC7-4EC2-A02A-948B47E4DE04 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR113 ROR - Missing Right of Rescission form No (No Data) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8509180A-EE52-402B-AE79-B8B52F337881 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title (No Data) (No Data) (No Data) Not Applicable Complete
8509180A-EE52-402B-AE79-B8B52F337881 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Note states 240 payments, TIL reflects 241 payments (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8509180A-EE52-402B-AE79-B8B52F337881 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8509180A-EE52-402B-AE79-B8B52F337881 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD. (No Data) (No Data) (No Data) Not Applicable Complete
8509180A-EE52-402B-AE79-B8B52F337881 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing RTC/ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
20CF5439-5365-4B69-AC22-4D077B9355A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
20CF5439-5365-4B69-AC22-4D077B9355A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
20CF5439-5365-4B69-AC22-4D077B9355A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged on lender-to-lender refinance. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
20CF5439-5365-4B69-AC22-4D077B9355A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
20CF5439-5365-4B69-AC22-4D077B9355A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B6A7DBE9-AE91-460D-B740-B7734213E9CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: GSE Temporary - QM/RP B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4463 TRID - Assumption selection on the CD does not match the clause in the mortgage. No Assumption selection on Final CD 06/XX/2018 does not match the clause in the mortgage. (No Data) (No Data) Non-Numeric Not Applicable Complete
20EF0B42-D126-4983-BEE4-A783F056F6F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI Certificate. (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
20EF0B42-D126-4983-BEE4-A783F056F6F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers is missing the issue date. (No Data) (No Data) (No Data) Not Applicable Complete
20EF0B42-D126-4983-BEE4-A783F056F6F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3776 TRID - LE or CD does not meet TRID requirements No Initial LE signed 6/XX/18 is missing the issue date. (No Data) (No Data) (No Data) Not Applicable Complete
F8524212-4026-4422-A7B0-D86AEED80348 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrowers, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
F8524212-4026-4422-A7B0-D86AEED80348 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are XXX resulting in understated finance charges of XXX. The underdisclosure is due to a $26.00 Flood Cert, $385.00 Application Fee. $7.45 Escrow Service Fee and $50.00 Courier fee. These fees show on the HUD but not the Itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2432D9E8-B8F7-4621-892C-089A87519BCD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2432D9E8-B8F7-4621-892C-089A87519BCD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2432D9E8-B8F7-4621-892C-089A87519BCD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No 2/XX/00 expiration date on form prior to 2/XX/00 end of rescission period. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2432D9E8-B8F7-4621-892C-089A87519BCD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E6BF0DD5-DA66-479C-888F-B4871992D918 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8895E9F6-5058-4471-891B-7A0F401A19DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8895E9F6-5058-4471-891B-7A0F401A19DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
8895E9F6-5058-4471-891B-7A0F401A19DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR114 ROR - Right of Rescission not executed by all title holders No Right of Rescission not executed by co-borrower. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8895E9F6-5058-4471-891B-7A0F401A19DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
8895E9F6-5058-4471-891B-7A0F401A19DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D7D6A17-A086-4917-AB97-4637B81DA88C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D7D6A17-A086-4917-AB97-4637B81DA88C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1D7D6A17-A086-4917-AB97-4637B81DA88C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
1D7D6A17-A086-4917-AB97-4637B81DA88C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
708B1A68-3DFD-4934-A769-BA4197E510A4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
708B1A68-3DFD-4934-A769-BA4197E510A4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Initial P&I is not stated. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
708B1A68-3DFD-4934-A769-BA4197E510A4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C286E2E8-20C5-4CA0-B633-890DCE102C67 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable A A A A                               Complete
65E48FCE-D00C-4800-86EB-C02320FD8A39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.346% with HMDA Benchmark Rate of 4.280% causing variance of 5.066% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
65E48FCE-D00C-4800-86EB-C02320FD8A39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06D7D189-DE89-4FCC-B2A9-8AC6EA5335EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06D7D189-DE89-4FCC-B2A9-8AC6EA5335EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
06D7D189-DE89-4FCC-B2A9-8AC6EA5335EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 10/XX/2003 is prior to end of earliest rescission date allowable of 10/XX/2003. ROR is dated 10/XX/2003 with a rescission expiration or 10/XX/2003; however, the Mortgage was not signed/notarized until 10/XX/2003. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
06D7D189-DE89-4FCC-B2A9-8AC6EA5335EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired. (No Data) (No Data) (No Data) Not Applicable Complete
06D7D189-DE89-4FCC-B2A9-8AC6EA5335EC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B0C084D5-FC97-4490-A29C-451B54E1FC16 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
B0C084D5-FC97-4490-A29C-451B54E1FC16 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: Summaries of Transactions Section: Sale Price of Property minus Loan Amount is: XXX and Calculating Cash to Close Section: Down Payment/Funds from Borrower - Final, Value: $XXX, which includes the UFMIP of $XXX. Should only be $XXX. FHA Loan. (No Data) (No Data) Numeric Not Applicable Complete
70BFFE34-282F-4172-B6FB-77F2A0AD2803 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Review status is Non-QM: Lender did not document all ATR UW factors. Income miscalculated, once corrected back end DTI is 52.87% (No Data) (No Data) (No Data) Not Applicable Complete
70BFFE34-282F-4172-B6FB-77F2A0AD2803 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is Non-QM: Lender did not document all ATR UW factors. Income miscalculated, once corrected back end DTI is 52.87% (No Data) (No Data) (No Data) Not Applicable Complete
70BFFE34-282F-4172-B6FB-77F2A0AD2803 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: 06/XX/2017-1 [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is (XXX), does not match Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: -$XXX. (No Data) (No Data) Numeric Not Applicable Complete
70BFFE34-282F-4172-B6FB-77F2A0AD2803 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD dated 6/XX/2017; Calculating Cash to Close Table ; does not match figures on Final LE dated 5/XX/2017 Calculating Cash to Close Table. (No Data) (No Data) Non-Numeric Not Applicable Complete
3ACAD81F-AC19-4485-BF33-AE872919DF8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.115 HMDA Benchmark Rate 4.540 HMDA Benchmark/APR Variance 5.575 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
3ACAD81F-AC19-4485-BF33-AE872919DF8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 11/XX/2007, Application date is 10/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
972C954C-15A0-41C3-BAD7-A62F585D9913 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.568%, HMDA benchmark rate 5.110%, variance 4.458% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
972C954C-15A0-41C3-BAD7-A62F585D9913 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges $XXX, finance charges calculated by XXX payment stream $XXX, resulting in understatement of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B5AF9E5-662D-42EA-ADE6-CFA68F977E87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
4B5AF9E5-662D-42EA-ADE6-CFA68F977E87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: XXX- Section: Summaries of Transactions: Adjustments and Other Credits Calculation is ($XXX) and Calculating Cash to Close: Adjustments and Other Credits - is listed as XXX. (No Data) (No Data) Numeric Not Applicable Complete
4B5AF9E5-662D-42EA-ADE6-CFA68F977E87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: XXX, CD: XXX and CD: XXX [Last CD], Section: Summaries of Transactions, (K) line 15 the dates are not complete. 2. CD XXX, XXX, XXX, XXX, XXX and XXX Calculating Cash to Close table. Adjustments and other credits changed; however, the reason for the change is not listed. (No Data) (No Data) Hybrid Not Applicable Complete
4B5AF9E5-662D-42EA-ADE6-CFA68F977E87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No Missing e-consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B5AF9E5-662D-42EA-ADE6-CFA68F977E87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Missing e-consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4B5AF9E5-662D-42EA-ADE6-CFA68F977E87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE's XXX, XXX, XXX, XXX, XXX the state is not listed for the XXX number listed. CD issued XXX corrects this error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
4B5AF9E5-662D-42EA-ADE6-CFA68F977E87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No CD: XXX, Section: Loan Costs, (B) line 04 the payee is not listed. CD issued XXX corrects this error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
4B5AF9E5-662D-42EA-ADE6-CFA68F977E87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4801 TRID - LE: In 5 Years: Either or both of the In 5 Years Total Payment or Total Principal Amounts are under disclosed. No LE issued XXX underdisclosed in the amount of $-XXX. The In XXX Years Total P&I has been calculated manually and the condition is valid. However, the TOP calculation is within tolerance. XXX can be downgraded to a Satisfied B. (No Data) (No Data) Numeric Not Applicable Complete
EBDE2DA9-945A-487B-BAC1-DCB415858517 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Review status is Non-QM: Lender did not document all ATR UW factors. Missing evidence of receipt of rental income 8-XX-2018-8-XX-2018-Client provided wraparound note and Mortgage disclosure 8-XX-2018-Received wraparound note and Mortgage disclosure, still missing proof of receipt of rental income, exception remains. (No Data) Not Applicable Complete
EBDE2DA9-945A-487B-BAC1-DCB415858517 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is Non-QM: Lender did not document all ATR UW factors. Missing evidence of receipt of rental income 8-XX-2018-Client provided wraparound note and Mortgage disclosure 8-XX-2018-Received wraparound note and Mortgage disclosure, still missing proof of receipt of rental income, exception remains. (No Data) Not Applicable Complete
EBDE2DA9-945A-487B-BAC1-DCB415858517 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE 05/XX/2016 and LE 06/XX/2016 formatting, missing state for NMLS. Corrected by CD 06/XX/2016Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
C8EB8F52-409D-46CB-93B2-30A5FDAB8F23 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 4/XX/2007 Test APR 11.593 HMDA Benchmark Rate 4.930 HMDA Benchmark/APR Variance 6.663 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
C8EB8F52-409D-46CB-93B2-30A5FDAB8F23 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Missing initial ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C8EB8F52-409D-46CB-93B2-30A5FDAB8F23 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE from Lender (No Data) (No Data) (No Data) Not Applicable Complete
90D12E7C-04F8-4FA7-A8ED-60C39591F95B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Rate spread trigger exceeded based on Final TIL APR of 12.04%, benchmark rate 5.05%, exceeding maximum variance of 3.0000% at 6.99%. (No Data) (No Data) (No Data) Not Applicable Complete
90D12E7C-04F8-4FA7-A8ED-60C39591F95B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Missing date issued on the ARM disclosure (No Data) (No Data) (No Data) Not Applicable Complete
C66368AE-C792-428F-AEAC-D7AEBD86D5DB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate (No Data) (No Data) (No Data) Not Applicable Complete
D067C3A8-7139-4CB8-8E30-B66C3B05FFC2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI certificate. (No Data) (No Data) (No Data) Not Applicable Complete
D067C3A8-7139-4CB8-8E30-B66C3B05FFC2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing lender GFE (No Data) (No Data) (No Data) Not Applicable Complete
35D6123E-4C34-43B4-8887-7B10C525F1E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
AE52C380-B698-4CEF-B30E-E4B0749F8C1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX Unable to determine source of understatement with the documentation provided; missing TIL Itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE52C380-B698-4CEF-B30E-E4B0749F8C1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
11283378-4CC7-406E-8523-512CC7B482AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
A59672CE-1D34-4A26-85F1-D8969AD7CCD4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
ACD155E0-A309-4264-9D70-AEBC82D2037C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ACD155E0-A309-4264-9D70-AEBC82D2037C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. Limited Title Agreement was provided. (No Data) (No Data) (No Data) Not Applicable Complete
ACD155E0-A309-4264-9D70-AEBC82D2037C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR1907 Incorrect ROR Form Used - Closed-End form on Open-End loan No Incorrect ROR Form Used - Closed-End form on Open-End loan (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ACD155E0-A309-4264-9D70-AEBC82D2037C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
BB7EEACD-FEAC-4179-8E0B-C01683494023 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1.CD: XXX and CD: XXX [Last CD], Section: Other Costs, (F) Line 01 and 05 the number of months is not listed. 2. CD: XXX and CD: XXX [Last CD], Section: Projected Payments the other box is checked; however, the payee is not listed. (No Data) (No Data) Hybrid Not Applicable Complete
BB7EEACD-FEAC-4179-8E0B-C01683494023 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Need evidence of change of circumstances letter for the appraisal fee increase or a copy of a refundable check in the amount of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BB7EEACD-FEAC-4179-8E0B-C01683494023 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No 1.CD: XXX and CD: XXX [Last CD], Section: Other Costs, (F) Line 04 the number of months is not listed. CD: XXX [Last CD], corrects this error. Exception satisfied. 2. CD: XXX Section: Other Costs (E) the recording fees are not itemized. CD: XXX [Last CD], corrects this error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
45E79FC0-682A-44C6-9FF4-C255890016B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Lender status is QM Safe Harbor, Review status is NON QM lender did not document all ATR UW Factors, Missing assets of $14320.18 for funds required to close. (No Data) (No Data) (No Data) Not Applicable Complete
45E79FC0-682A-44C6-9FF4-C255890016B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is NON QM lender did not document all ATR UW Factors, Missing assets of $14320.18 for funds required to close. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
45E79FC0-682A-44C6-9FF4-C255890016B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
45E79FC0-682A-44C6-9FF4-C255890016B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No CD 05/XX/2016, CD 05/XX/2016 and CD 06/XX/2016 Closing information the seller address is not listed. (No Data) (No Data) (No Data) Not Applicable Complete
45E79FC0-682A-44C6-9FF4-C255890016B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: 05/XX/2016-1, Summaries of Transactions, Sale Price of Property minus Loan Amount is: $10,953.00; Calculating Cash to Close, Down Payment/Funds from Borrower - Final, Value: $13,000.00. Values do not match. The difference is $2,047.00, which is the Mortgage Insurance Premium under Loan Costs, B. Services Borrower Did Not Shop For. This is a FHA Loan. (No Data) (No Data) Numeric Not Applicable Complete
45E79FC0-682A-44C6-9FF4-C255890016B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: 05/XX/2016-1, Section: Other Costs, (F) Line 01 the payee is not listed. CD issued 05/26/2016 corrects this error. Exception satisfied. 2. CD: 05/XX/2016-1, Section: Loan Costs, (B) Line 03 the payee is not listed. CD issued 05/XX/2016 corrects this error. Exception satisfied. (No Data) (No Data) Hybrid Not Applicable Complete
7826FA11-AE51-46E5-86C3-9CA6A6B7B005 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7826FA11-AE51-46E5-86C3-9CA6A6B7B005 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
7826FA11-AE51-46E5-86C3-9CA6A6B7B005 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower(s), unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
7826FA11-AE51-46E5-86C3-9CA6A6B7B005 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A0BC8CEC-53E3-4729-8FCC-0B08735CEDBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A0BC8CEC-53E3-4729-8FCC-0B08735CEDBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A0BC8CEC-53E3-4729-8FCC-0B08735CEDBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
A0BC8CEC-53E3-4729-8FCC-0B08735CEDBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A0BC8CEC-53E3-4729-8FCC-0B08735CEDBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE . (No Data) (No Data) (No Data) Not Applicable Complete
A0BC8CEC-53E3-4729-8FCC-0B08735CEDBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
A0BC8CEC-53E3-4729-8FCC-0B08735CEDBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FC62ED7D-15CC-4C6C-AF6B-D3D778F11A25 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
FC62ED7D-15CC-4C6C-AF6B-D3D778F11A25 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing Homeowners counseling organizations lists. (No Data) (No Data) (No Data) Not Applicable Complete
FC62ED7D-15CC-4C6C-AF6B-D3D778F11A25 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance State Rate Spread Active B B B B CMPSRS2051 CA Higher-Priced Loan No California higher priced based on APR variance of 5.2560% from benchmark of rate 3.4800%, exceeding maximum variance of 1.5000%. (No Data) (No Data) (No Data) Not Applicable Complete
A816215F-558C-49BD-BA2F-706A1506FEAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes MI Certificate is missing. (No Data) (No Data) (No Data) Not Applicable Complete
A816215F-558C-49BD-BA2F-706A1506FEAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure not in file (No Data) (No Data) (No Data) Not Applicable Complete
A816215F-558C-49BD-BA2F-706A1506FEAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial CD issued 10/XX/2017 and the loan consummated on 10/XX/2017. Three day waiting period not met. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A816215F-558C-49BD-BA2F-706A1506FEAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No CD 10/XX/2017-1 Loan Costs Section B reflects Credit Report fee increased $1.80 and Survey fee increased $150 not disclosed on initial LE; Final CD 10/XX/2017-1 has credit of $66.75, not enough to cover zero tolerance fee. A balance of $85.05 remains. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric Not Applicable Complete
A816215F-558C-49BD-BA2F-706A1506FEAA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD 10/XX/2017-1 Other Costs Section F missing number of months for homeowners insurance, property tax and flood insurance, corrected on PC CD 12/XX/2017-1. Exception satisfied. (No Data) (No Data) Hybrid Not Applicable Complete
BBA6D519-5BDE-4160-A067-7CB453E75E61 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
BBA6D519-5BDE-4160-A067-7CB453E75E61 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing RESPA: Required Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
D6C98615-FB59-42C5-8988-5AEF5AAE5FE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/RP C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
D6C98615-FB59-42C5-8988-5AEF5AAE5FE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/RP C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations (No Data) (No Data) (No Data) Not Applicable Complete
D6C98615-FB59-42C5-8988-5AEF5AAE5FE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/RP C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
56FE050B-2E03-42DE-ABD2-BF00029C5981 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
7BEDBCBB-C174-46E4-8AEE-6CF7B206B009 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.835% with HMDA Benchmark Rate of 4.580% causing variance of 3.255% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
7BEDBCBB-C174-46E4-8AEE-6CF7B206B009 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP101 OH CSPA; Unable to determine prior refi made by govt. No Missing prior lien note, unable to determine if prior refinance was made by government. (No Data) (No Data) (No Data) Not Applicable Complete
7BEDBCBB-C174-46E4-8AEE-6CF7B206B009 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP117 OH CSPA; Home Mortgage Information Document not provided No Missing Home Mortgage Information Document. (No Data) (No Data) (No Data) Not Applicable Complete
7BEDBCBB-C174-46E4-8AEE-6CF7B206B009 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP122 OH CSPA; Tangible Net Benefit worksheet not in file No Missing Tangible Net Benefit Worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
7BEDBCBB-C174-46E4-8AEE-6CF7B206B009 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty per note is hard and lacks state required exclusion that the prepayment cannot be charged upon a lender to lender transaction. (No Data) (No Data) (No Data) Not Applicable Complete
B9DE9BBD-0EAE-4AE1-BD97-C4B94E010536 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.694% with HMDA Benchmark Rate of 5.260% causing variance of 5.434% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
B9DE9BBD-0EAE-4AE1-BD97-C4B94E010536 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 05/XX/2007, ARM Loan Program Disclosure in file Dated 07/XX/2007. ARM Loan Program Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
B9DE9BBD-0EAE-4AE1-BD97-C4B94E010536 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds.PPP has since expired. (No Data) (No Data) (No Data) Not Applicable Complete
6DC38CCB-BC6A-4004-84F0-1B6B1B2970AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.917 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 7.197 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
6DC38CCB-BC6A-4004-84F0-1B6B1B2970AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
6DC38CCB-BC6A-4004-84F0-1B6B1B2970AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2F4D787E-5A0C-4F22-87D2-3ABAD88E39F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.242%, HMDA benchmark rate 4.880%, variance 6.362% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
2F4D787E-5A0C-4F22-87D2-3ABAD88E39F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure dated 5/XX/2007 after 3 days from application date of 05/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
E5F0ADCC-636B-47FE-A758-B67EF57325E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E5F0ADCC-636B-47FE-A758-B67EF57325E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.154% with HMDA Benchmark Rate of 4.880% causing variance of 6.274% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
E5F0ADCC-636B-47FE-A758-B67EF57325E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP101 OH CSPA; Unable to determine prior refi made by govt. No Missing prior lien note, unable to determine if prior refinance was made by government. (No Data) (No Data) (No Data) Not Applicable Complete
E5F0ADCC-636B-47FE-A758-B67EF57325E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP117 OH CSPA; Home Mortgage Information Document not provided No Missing Home Mortgage Information Document. (No Data) (No Data) (No Data) Not Applicable Complete
E5F0ADCC-636B-47FE-A758-B67EF57325E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP122 OH CSPA; Tangible Net Benefit worksheet not in file No Missing Tangible Net Benefit worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
E5F0ADCC-636B-47FE-A758-B67EF57325E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty per note is hard and lacks state required exclusions. (No Data) (No Data) (No Data) Not Applicable Complete
D3A143C9-DA89-4EA6-A8C4-4FB76AE128C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D3A143C9-DA89-4EA6-A8C4-4FB76AE128C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
D3A143C9-DA89-4EA6-A8C4-4FB76AE128C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D3A143C9-DA89-4EA6-A8C4-4FB76AE128C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D3A143C9-DA89-4EA6-A8C4-4FB76AE128C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
D3A143C9-DA89-4EA6-A8C4-4FB76AE128C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
D3A143C9-DA89-4EA6-A8C4-4FB76AE128C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B647503C-BEC0-415F-9121-5DED3E1B13D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.453% with HDMA bench mark rate of 4.860% causing variance of 5.593% which exceeds 5.000% rate spread trigger (No Data) (No Data) (No Data) Not Applicable Complete
B647503C-BEC0-415F-9121-5DED3E1B13D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 01/XX/2007, GFE in file Dated 02/XX/2007. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
B647503C-BEC0-415F-9121-5DED3E1B13D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No Prepayment penalty prohibited by state. PPP has Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
82AA5EB4-8E22-4420-A4F4-10DF386E3B11 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.379% with benchmark rate 4.860% causing APR variance 5.519% which exceeds 3.00% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
DD354717-439F-4C02-BC61-8C9FD7455EE4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
DD354717-439F-4C02-BC61-8C9FD7455EE4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing Borrower's Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
DD354717-439F-4C02-BC61-8C9FD7455EE4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
57586D4D-C8D8-48FE-86E2-03B3DE139D71 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure dated 3/XX/2004 after 3 days from application date of 1/XX/2004. (No Data) (No Data) (No Data) Not Applicable Complete
984D11D8-DF34-4A1C-AAE1-A7644E353383 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1548D006-8125-413C-AB02-09BEC662407E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1548D006-8125-413C-AB02-09BEC662407E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
9290C245-0D29-4EE0-ADE6-25B64D8C79E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
92D41B13-6AA6-4CC6-9945-CD8C97E5C0DB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing final HUD-1- Estimated HUD1 only in file. Fees captured from Estimate. (No Data) (No Data) (No Data) Not Applicable Complete
92D41B13-6AA6-4CC6-9945-CD8C97E5C0DB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.596%, the benchmark APR is 4.530% resulting in a difference 6.066%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
92D41B13-6AA6-4CC6-9945-CD8C97E5C0DB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date 09/XX/2005. ARM Disclosure dated 09/XX/2005. ARM Disclosure not provided within 3 days of Application date. (No Data) (No Data) (No Data) Not Applicable Complete
92D41B13-6AA6-4CC6-9945-CD8C97E5C0DB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Total Payments $XXX. Calculated Total Payments $XXX for a difference of $.XX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2125F6F1-05F5-44DF-B9E6-F795B1A10508 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.888%, the benchmark APR is 4.880% resulting in a difference 6.008%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
2125F6F1-05F5-44DF-B9E6-F795B1A10508 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early ARM Loan Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2125F6F1-05F5-44DF-B9E6-F795B1A10508 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated $XXX. Attorney closing fee is $XXX, flood cert $XXX, Compliance review $XXX, Tax service $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
60B00837-A8C2-4F33-9E31-E23D5F94443B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable A A A A                               Complete
9D3CF368-2375-45A0-92AB-E37A7C507209 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
231A3D1B-8DD7-4A1E-8B00-D5B79262A84E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
7F3B0341-B3E4-45B5-887D-188E9BB2F95A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing ARM rider. (No Data) (No Data) (No Data) Not Applicable Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
BF314B49-AC7A-41EF-9EDB-85A127A71638 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1, Missing Estimated HUD1 and Missing GFE; Unable to capture fees for testing . (No Data) (No Data) (No Data) Not Applicable Complete
F627E34B-344C-4E5F-86C5-65BB4E24759B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F627E34B-344C-4E5F-86C5-65BB4E24759B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
F627E34B-344C-4E5F-86C5-65BB4E24759B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F627E34B-344C-4E5F-86C5-65BB4E24759B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F627E34B-344C-4E5F-86C5-65BB4E24759B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5AC4FC5C-114C-496F-8D91-8542377A3929 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5AC4FC5C-114C-496F-8D91-8542377A3929 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
5AC4FC5C-114C-496F-8D91-8542377A3929 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5AC4FC5C-114C-496F-8D91-8542377A3929 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5AC4FC5C-114C-496F-8D91-8542377A3929 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BB1C8B1C-DF1C-4643-9C89-37EA16D0F01E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BB1C8B1C-DF1C-4643-9C89-37EA16D0F01E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
BB1C8B1C-DF1C-4643-9C89-37EA16D0F01E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active B B B B CMPTILA4787 TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. No Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business. (No Data) (No Data) (No Data) Not Applicable Complete
C62F6092-99E0-400F-BE81-C0551097D8B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing final HUD-1- Estimated HUD1 only in file. Fees captured from Estimate. (No Data) (No Data) (No Data) Not Applicable Complete
C62F6092-99E0-400F-BE81-C0551097D8B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL signed by borrower; However not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
6B35BA6B-45C0-4290-BB98-E87D9750CD90 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
6B35BA6B-45C0-4290-BB98-E87D9750CD90 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of 03/XX/2003 is on disclosed midnight of date of 03/XX/2003. (No Data) (No Data) (No Data) Not Applicable Complete
F2B8E23A-2212-48B7-A5FD-C680B93E25E4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
F2B8E23A-2212-48B7-A5FD-C680B93E25E4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F2B8E23A-2212-48B7-A5FD-C680B93E25E4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F2B8E23A-2212-48B7-A5FD-C680B93E25E4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing Initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
71B26953-AAD5-4F0A-9ED9-65D54724D8DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71B26953-AAD5-4F0A-9ED9-65D54724D8DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
71B26953-AAD5-4F0A-9ED9-65D54724D8DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71B26953-AAD5-4F0A-9ED9-65D54724D8DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71B26953-AAD5-4F0A-9ED9-65D54724D8DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
71B26953-AAD5-4F0A-9ED9-65D54724D8DC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. Unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
7390E332-17E6-40E5-A71C-6C63C629924F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
138AB04E-2239-4F5B-ABA0-2DF8AFBA8A80 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
2B11FBA5-1345-456F-BA7F-67F4BFBA422C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2B11FBA5-1345-456F-BA7F-67F4BFBA422C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges per TIL $XXX, calculated finance charges $XXX difference of $XXX. No TIL itemization provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2B11FBA5-1345-456F-BA7F-67F4BFBA422C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2B11FBA5-1345-456F-BA7F-67F4BFBA422C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DA3B7B23-5D6E-4C55-A2B8-4823F56CD0D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No TIL disclosure on 5/XX/2006 not made within 3 days of application on 5/XX/2006 (No Data) (No Data) (No Data) Not Applicable Complete
DA3B7B23-5D6E-4C55-A2B8-4823F56CD0D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
DA3B7B23-5D6E-4C55-A2B8-4823F56CD0D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP312 TILA - Final TIL Date after actual transaction date No Final TIL print date of 5/XX/06 is after transaction date (notary date) of 5/XX/06. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3BF5953-1606-446C-98AE-9929A6EFEF43 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
9B1AF093-3BF3-44B9-88DE-B0D06CC6A24E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
9B1AF093-3BF3-44B9-88DE-B0D06CC6A24E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
96F884FF-5129-48D7-87E1-F6327C8CDC31 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
0E869CBA-768B-4995-B0ED-4E4121952A0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AK (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. Need clarification of fee on line 808, Landsafe paid to Lender for $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F2D2EDDD-C04D-4018-91B0-A752C6E92DC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.993% with HMDA Benchmark Rate of 5.000% causing variance of 7.993% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
F2D2EDDD-C04D-4018-91B0-A752C6E92DC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
F2D2EDDD-C04D-4018-91B0-A752C6E92DC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
F2D2EDDD-C04D-4018-91B0-A752C6E92DC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Prepayment penalty percentage exceeds maximum allowed. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39E77A33-ADA9-4185-82CE-6DE1D61370F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Mortgage Insurance required but MI Certificate is missing (No Data) (No Data) (No Data) Not Applicable Complete
39E77A33-ADA9-4185-82CE-6DE1D61370F8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges $XXX, finance charges calculated by XXX payment stream $XXX resulting in understatement of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
65238029-3BAB-4F8B-8B3D-90A46811126A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
65238029-3BAB-4F8B-8B3D-90A46811126A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.386 HMDA Benchmark Rate 4.880 HMDA Benchmark/APR Variance 4.506 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
5487F26F-CD6E-40F7-8828-A3CBA646A859 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI certificate. (No Data) (No Data) (No Data) Not Applicable Complete
5487F26F-CD6E-40F7-8828-A3CBA646A859 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4BCFE7E1-D10C-442F-84C9-B164C1F032F0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes MI Cert is Missing. (No Data) (No Data) (No Data) Not Applicable Complete
4BCFE7E1-D10C-442F-84C9-B164C1F032F0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.446% with HDMA bench mark rate of 4.910% causing variance of 3.536% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
4BCFE7E1-D10C-442F-84C9-B164C1F032F0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
8B6DC779-BD99-4897-9D5C-D5BAF5B1FCEF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance TILA Active B B B B CMPTILA1684 Early TIL provided by Broker No Early TIL provided by Broker (No Data) (No Data) (No Data) Not Applicable Complete
AC431B23-321B-4349-9746-1CC97292143C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
5268E765-62D3-4B82-A6CC-0EF6CB351FE7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
BF6DF52D-57AE-4B96-9C90-F591906C85AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
EE1419BA-5499-467C-9B2D-6BA80FBCD812 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
EE1419BA-5499-467C-9B2D-6BA80FBCD812 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 10/XX/2007, ARM Loan Program Disclosure in file Dated 11/XX/2007. ARM Loan Program Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
63FB95F1-5AA2-48BB-A8AF-3C4B6D20B102 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.084% with HDMA bench mark rate of 5.110 causing variance of 3.974% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
63FB95F1-5AA2-48BB-A8AF-3C4B6D20B102 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement, (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C3A49DB2-4073-4BB2-8A5C-6A820C538381 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.152 %, HMDA Benchmark Rate 4.720 %, HMDA Benchmark/APR Variance 3.432 %, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
C3A49DB2-4073-4BB2-8A5C-6A820C538381 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C3A49DB2-4073-4BB2-8A5C-6A820C538381 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing Lender GFE (No Data) (No Data) (No Data) Not Applicable Complete
C3A49DB2-4073-4BB2-8A5C-6A820C538381 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR115 ROR - date changes must be acknowledged/initialed by borrower No ROR - date changes must be acknowledged/initialed by borrower (No Data) (No Data) (No Data) Not Applicable Complete
984FC2B7-85E8-4796-9AF5-EA2F91B13790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 6/XX/2007 Test APR 10.206 HMDA Benchmark Rate 5.260 HMDA Benchmark/APR Variance 4.946 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
FE043310-06E6-459A-838C-5AB3D234417F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
FE043310-06E6-459A-838C-5AB3D234417F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate. (No Data) Upon further review: Cancelled due to data point change. (No Data) Not Applicable Complete
FE043310-06E6-459A-838C-5AB3D234417F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
C2CE2C6F-D46B-41D2-BC28-FF0746CE8A70 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A B A B Compliance Compliance Manual Active N/A B N/A B CMPMAN4641 TILA -Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business No Loan secured by investment property, cannot determine if TILA is applicable b/c cannot verify if primary use of funds was personal or business (No Data) (No Data) (No Data) Not Applicable Complete
0CF1DE9C-A8FA-4DDF-8725-0BD2F5901281 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
B4968DA8-22E9-4D09-ABC8-810FFE756C63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1307 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated No Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated (No Data) (No Data) (No Data) Not Applicable Complete
B4968DA8-22E9-4D09-ABC8-810FFE756C63 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX RI (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP1297 RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file Yes Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file (No Data) (No Data) (No Data) Not Applicable Complete
6BECDA8A-5AE0-4083-862E-258C97CFA7F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
E0AD4F6B-A947-4DD0-BE78-6D4C51C8F2D5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Initial TIL is not dated. Cannot determine if it was provided timely. (No Data) (No Data) (No Data) Not Applicable Complete
E0AD4F6B-A947-4DD0-BE78-6D4C51C8F2D5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application dated 10/XX/2007, Initial GFE dated 11/XX/2007. GFE given after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
82D33430-E3E7-4263-81E5-5CBC65A3F711 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
82D33430-E3E7-4263-81E5-5CBC65A3F711 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
6D8990A2-B60D-4926-9491-B52C4C5E8521 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No TIL disclosed APR is 6.3940%. Actual calculated APR per payment stream is 6.6802% for a variance of -0.2862% exceeding max threshold of 0.125%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6D8990A2-B60D-4926-9491-B52C4C5E8521 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
6D8990A2-B60D-4926-9491-B52C4C5E8521 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
6D8990A2-B60D-4926-9491-B52C4C5E8521 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement with the documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9293B26A-D8E3-4E6E-958C-E705ADA000A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
38EEBCEE-D4AA-492A-A247-3FE10F22E8A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance APR Tolerance Active C B C B CMPAPRT101 APR - Irregular pmt loan; underdisclosed APR > 0.250% No The final TIL APR is 3.1479%, the actual calculated APR is 4.1405%, which results in a difference of -.9926% exceeding max threshold of .250%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
38EEBCEE-D4AA-492A-A247-3FE10F22E8A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
38EEBCEE-D4AA-492A-A247-3FE10F22E8A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP1663 TILA - Early TIL not delivered within 3 business days of application No Application date of 11/XX/2009, TIL in file Dated 12/XX/2009. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
38EEBCEE-D4AA-492A-A247-3FE10F22E8A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
38EEBCEE-D4AA-492A-A247-3FE10F22E8A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E018536D-4221-458C-AE3B-18610E883DBA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes MI Cert is missing (No Data) (No Data) (No Data) Not Applicable Complete
3D0A06FD-6B0F-4B79-A1A1-13374F5675F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
5CC9FECF-1140-485F-B7CA-7E337742398C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
ACFCB75E-8585-4820-8605-19A9B5703601 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
ACFCB75E-8585-4820-8605-19A9B5703601 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No TIL disclosed Finance Charge $XXX Paystream Finance Charge $XXX . Difference of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E88A2FF3-07CC-43A7-A85E-BBEC7D0E1E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.444% with HMDA Benchmark Rate 4.810% causing HMDA Benchmark/APR Variance 3.634% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
E88A2FF3-07CC-43A7-A85E-BBEC7D0E1E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
E88A2FF3-07CC-43A7-A85E-BBEC7D0E1E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
E88A2FF3-07CC-43A7-A85E-BBEC7D0E1E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application dated 03/XX/2007, ARM Loan Disclosure dated 03/XX/2007. ARM Loan Program Disclosure after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
E88A2FF3-07CC-43A7-A85E-BBEC7D0E1E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1535 PPP - Prepayment penalty term exceeds state maximum No PPP term is 24 months per PPP Rider, State term max is 12 months. Prepayment penalty term exceeds State maximum. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
279D485C-AAE2-4F15-9155-BA73B3D025F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
279D485C-AAE2-4F15-9155-BA73B3D025F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement with the documentation provided; missing TIL Itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
279D485C-AAE2-4F15-9155-BA73B3D025F6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
56FFA6DD-9095-4E2B-A209-20CD59A1CCDE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
24C7B641-C001-4C87-A55F-26CC55661527 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
E3E41CFF-F2F5-42E6-97D0-585F20F542AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No HELOC Early Disclosure is undated, Cannot determine if ARM Program Disclosure was provided in a timely manner (No Data) (No Data) (No Data) Not Applicable Complete
E3E41CFF-F2F5-42E6-97D0-585F20F542AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
E3E41CFF-F2F5-42E6-97D0-585F20F542AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No HELOC Early Disclosure is undated, Cannot determine if ARM Program Disclosure was provided in a timely manner (No Data) (No Data) (No Data) Not Applicable Complete
8B491F4A-D11F-4F75-843F-975EAEB41E7B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
876F14B0-9888-4075-B64C-CBB76A19472B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
4C75B59B-B1CA-43EF-9078-1E479F928B90 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4C75B59B-B1CA-43EF-9078-1E479F928B90 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
CDCFEE2B-44AF-4973-BB36-78ACFB5FE807 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CDCFEE2B-44AF-4973-BB36-78ACFB5FE807 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA727703-79ED-4973-88A4-0B02907B3563 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
AA727703-79ED-4973-88A4-0B02907B3563 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 03/XX/2001 is prior to end of earliest rescission date allowable of 03/XX/2001. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA727703-79ED-4973-88A4-0B02907B3563 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E48C478D-E832-45B0-8545-5163A839C444 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E48C478D-E832-45B0-8545-5163A839C444 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing copy of title (No Data) (No Data) (No Data) Not Applicable Complete
E48C478D-E832-45B0-8545-5163A839C444 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
E48C478D-E832-45B0-8545-5163A839C444 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
E48C478D-E832-45B0-8545-5163A839C444 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date not stated (No Data) (No Data) (No Data) Not Applicable Complete
7423CF94-FD36-46B3-AAAF-D2F064E42D32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7423CF94-FD36-46B3-AAAF-D2F064E42D32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CE07110C-900C-48BE-A2C6-04211EB673B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
CE07110C-900C-48BE-A2C6-04211EB673B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated $XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CE07110C-900C-48BE-A2C6-04211EB673B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
E2AF6663-3526-4909-94BC-840EA18CFACA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
8D7A7E57-C501-4E30-9A46-D68861D32C48 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
E641B2C9-66C4-41AA-94E9-9346F416D76A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E641B2C9-66C4-41AA-94E9-9346F416D76A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
E641B2C9-66C4-41AA-94E9-9346F416D76A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
059ECAD0-A1F4-4EC9-B204-633F203A2EB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing Initial and Final GFE (No Data) (No Data) (No Data) Not Applicable Complete
677C63B4-7FE1-49B9-B6F8-0A18DC812742 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
677C63B4-7FE1-49B9-B6F8-0A18DC812742 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9B8AFA84-E641-4320-9718-FA8CF6578EC6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
9BD7FDC5-EB58-4E4B-A4B8-33590AD98584 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
9BD7FDC5-EB58-4E4B-A4B8-33590AD98584 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees in amount of $XXX exceed FND fee of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9BD7FDC5-EB58-4E4B-A4B8-33590AD98584 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HELOC fees on HUD-1 not disclosed on the FND of Courier fee: $XXX Title insurance of $XXX, recording fee of $XXX, tax stamps of $XXX, recording service fee of $XXX and Conservation fee of $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9BD7FDC5-EB58-4E4B-A4B8-33590AD98584 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1D1072CE-E29F-4D6E-A95C-D78B87771329 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1D1072CE-E29F-4D6E-A95C-D78B87771329 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2EF0E683-B9D5-451C-97A2-99F1374386E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2EF0E683-B9D5-451C-97A2-99F1374386E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CD722C3E-AF6E-489E-8756-BF0EF7F2232B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CD722C3E-AF6E-489E-8756-BF0EF7F2232B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Initial P&I is not stated; unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
CD722C3E-AF6E-489E-8756-BF0EF7F2232B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D35F6212-3238-48C3-9926-790636F5A8E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D35F6212-3238-48C3-9926-790636F5A8E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5F80D922-AAD7-4E43-941A-EFEB87E9C5B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BBC6AC07-42FD-4B9B-B84E-178447086591 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
BBC6AC07-42FD-4B9B-B84E-178447086591 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
BBC6AC07-42FD-4B9B-B84E-178447086591 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No Expiration date is 09/XX/2005, end of rescission period is 09/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BBC6AC07-42FD-4B9B-B84E-178447086591 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BE69607E-4C97-4DFA-A120-D2B44C52EFE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing APR on FND. (No Data) (No Data) (No Data) Not Applicable Complete
BE69607E-4C97-4DFA-A120-D2B44C52EFE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Note is missing M&I Home Equity Credit Addendum. (No Data) (No Data) (No Data) Not Applicable Complete
BE69607E-4C97-4DFA-A120-D2B44C52EFE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
BE69607E-4C97-4DFA-A120-D2B44C52EFE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active B B B B CMPTILA3180 TILA - HELOC Unable to calculate APR per Review No Missing APR on FND. (No Data) (No Data) (No Data) Not Applicable Complete
BE69607E-4C97-4DFA-A120-D2B44C52EFE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9294DBBB-1D30-4176-9114-3D36335006DA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
9294DBBB-1D30-4176-9114-3D36335006DA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B801E5A2-B17E-402A-BB86-D392C0D65637 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B801E5A2-B17E-402A-BB86-D392C0D65637 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
B801E5A2-B17E-402A-BB86-D392C0D65637 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
B801E5A2-B17E-402A-BB86-D392C0D65637 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
B801E5A2-B17E-402A-BB86-D392C0D65637 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
34F6E5E2-0A39-4B85-A7A5-747DCD06B3E5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
34F6E5E2-0A39-4B85-A7A5-747DCD06B3E5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Late Charges - Unable to Calculate Maximum Payment subject to late charge (No Data) (No Data) (No Data) Not Applicable Complete
34F6E5E2-0A39-4B85-A7A5-747DCD06B3E5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B6D2528C-DADF-442F-A87D-1AC8EF63C61D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B6D2528C-DADF-442F-A87D-1AC8EF63C61D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B6D2528C-DADF-442F-A87D-1AC8EF63C61D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Late Charges - Unable to Calculate Maximum Payment subject to late charge (No Data) (No Data) (No Data) Not Applicable Complete
B6D2528C-DADF-442F-A87D-1AC8EF63C61D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D7AFA9E4-3EBA-4A3A-BB41-9621DF580FFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D7AFA9E4-3EBA-4A3A-BB41-9621DF580FFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
D7AFA9E4-3EBA-4A3A-BB41-9621DF580FFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
D7AFA9E4-3EBA-4A3A-BB41-9621DF580FFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is unknown. (No Data) (No Data) (No Data) Not Applicable Complete
E9191FA4-3352-43AD-95A6-E61CB1843B71 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
FB1886E2-4ED7-4812-8B56-C0CB06937E6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.230% with HMDA Benchmark Rate of 4.170% causing variance of 3.060% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
FB1886E2-4ED7-4812-8B56-C0CB06937E6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
E1261DDF-A8E0-4ABE-AC05-12BCCC5B22D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.625 HMDA Benchmark Rate 4.600 HMDA Benchmark/APR Variance 3.025 HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
E1261DDF-A8E0-4ABE-AC05-12BCCC5B22D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E1261DDF-A8E0-4ABE-AC05-12BCCC5B22D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E1261DDF-A8E0-4ABE-AC05-12BCCC5B22D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E1261DDF-A8E0-4ABE-AC05-12BCCC5B22D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E1261DDF-A8E0-4ABE-AC05-12BCCC5B22D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement Date. (No Data) (No Data) (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage/Deed of Trust. (No Data) (No Data) (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Final Title. (No Data) (No Data) (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No Missing Note. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
DAE0342D-FA4E-4D35-BC1F-56AF76011D84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR Form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
27542FD4-554D-45C7-A4DB-7711FD08042D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title (No Data) (No Data) (No Data) Not Applicable Complete
27542FD4-554D-45C7-A4DB-7711FD08042D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
27542FD4-554D-45C7-A4DB-7711FD08042D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ADA1B22F-3308-4744-8D91-556B028D47A2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing copy of Title (No Data) (No Data) (No Data) Not Applicable Complete
ADA1B22F-3308-4744-8D91-556B028D47A2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated by the borrower (No Data) (No Data) (No Data) Not Applicable Complete
090C3DEB-011D-4493-A54C-0BC82243CA68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ECF8D400-7DC4-498D-85CD-5DECBB0376F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ECF8D400-7DC4-498D-85CD-5DECBB0376F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing (No Data) (No Data) (No Data) Not Applicable Complete
ECF8D400-7DC4-498D-85CD-5DECBB0376F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C7AF754E-DC1D-40AB-A688-C3BA5AE39888 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C7AF754E-DC1D-40AB-A688-C3BA5AE39888 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Initial note P&I is not stated. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
C7AF754E-DC1D-40AB-A688-C3BA5AE39888 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
398E391E-295F-4DD0-95BF-2B70969C7A0D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing early disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
398E391E-295F-4DD0-95BF-2B70969C7A0D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing early disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
781BE8E4-A6BF-488F-BE69-E2E40E91BCEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
781BE8E4-A6BF-488F-BE69-E2E40E91BCEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title (No Data) (No Data) (No Data) Not Applicable Complete
781BE8E4-A6BF-488F-BE69-E2E40E91BCEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
781BE8E4-A6BF-488F-BE69-E2E40E91BCEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Initial note P&I is not stated. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
781BE8E4-A6BF-488F-BE69-E2E40E91BCEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FF76392E-E728-4040-A5D5-923135029EA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FF76392E-E728-4040-A5D5-923135029EA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FF76392E-E728-4040-A5D5-923135029EA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Late fee per note reflects, If a payment is more than 15 days late, Borrower will be charged a late charge of 5% of the payment amount; late fee exceeds maximum. (No Data) (No Data) (No Data) Not Applicable Complete
FF76392E-E728-4040-A5D5-923135029EA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0E65A71D-ED64-46EF-8FE6-935493DDC2F5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1EC03B0F-5C21-42C3-B240-2AD84F6A2EF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1EC03B0F-5C21-42C3-B240-2AD84F6A2EF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
1EC03B0F-5C21-42C3-B240-2AD84F6A2EF0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0ACDCEBA-CE2F-4B6D-8A0E-931385C160C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing copy of Appraisal (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47EFD7D4-A239-4ECB-A5E4-AA022D8763C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
47EFD7D4-A239-4ECB-A5E4-AA022D8763C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BF6C13B8-E242-423F-8C64-66603510FC29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
BF6C13B8-E242-423F-8C64-66603510FC29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
63968D22-C796-43F8-B3B2-06675446BB9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
63968D22-C796-43F8-B3B2-06675446BB9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
63968D22-C796-43F8-B3B2-06675446BB9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
159ED765-9171-4B4B-91BF-4B6E8F24FE22 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
159ED765-9171-4B4B-91BF-4B6E8F24FE22 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
159ED765-9171-4B4B-91BF-4B6E8F24FE22 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E967F91-4E51-44F4-82D8-B13F7117C829 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing Daily Periodic Rate. (No Data) (No Data) (No Data) Not Applicable Complete
3E967F91-4E51-44F4-82D8-B13F7117C829 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
3E967F91-4E51-44F4-82D8-B13F7117C829 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
3E967F91-4E51-44F4-82D8-B13F7117C829 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active B B B B CMPTILA3180 TILA - HELOC Unable to calculate APR per Review No Missing Daily Periodic Rate. (No Data) (No Data) (No Data) Not Applicable Complete
3E967F91-4E51-44F4-82D8-B13F7117C829 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F9732E46-1072-427C-A26E-7E0F9E0FF5CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No Prepayment penalty per note is hard and lacks state required exclusion that the prepayment cannot be charged upon a lender to lender transaction. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
F9732E46-1072-427C-A26E-7E0F9E0FF5CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
4CFF312E-ADC3-46A6-9904-988E49CE9964 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4CFF312E-ADC3-46A6-9904-988E49CE9964 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Pre-Payment Penalty indicates that if the borrower prepays the balance in full,the PPP will be 3%, 2%, 1% of OPB in yr 1,2,3. Max allowed in year 1 is 4.885 months of interest at 7.370% interest rate. Pre-Payment Penalty exceeds max allowed. PPP has expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2AABC975-B7C5-4011-B3E5-0594B0AB9139 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
2AABC975-B7C5-4011-B3E5-0594B0AB9139 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
71F28ABE-4840-4D2D-9396-E66875EC1622 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing copy of title (No Data) (No Data) (No Data) Not Applicable Complete
71F28ABE-4840-4D2D-9396-E66875EC1622 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
71F28ABE-4840-4D2D-9396-E66875EC1622 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
5E511C2F-EAE6-48A6-85B3-50B40FF92EED XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
96DD4877-1CCC-4007-B9A5-31CB35C292FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State Law prohibits PPP on L to L refinance: provision not disclosed (No Data) (No Data) (No Data) Not Applicable Complete
A85D69DB-D822-4891-B2BF-EA0A62E3AB13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A85D69DB-D822-4891-B2BF-EA0A62E3AB13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL . (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A85D69DB-D822-4891-B2BF-EA0A62E3AB13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Legible TIL . (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A85D69DB-D822-4891-B2BF-EA0A62E3AB13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No PPP - Prepayment penalty exceeds maximum allowed . PPP expired (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E527082-5294-4A8A-85AC-DD59D970872F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E527082-5294-4A8A-85AC-DD59D970872F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
6E527082-5294-4A8A-85AC-DD59D970872F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
6E527082-5294-4A8A-85AC-DD59D970872F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6E527082-5294-4A8A-85AC-DD59D970872F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E527082-5294-4A8A-85AC-DD59D970872F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E527082-5294-4A8A-85AC-DD59D970872F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D D D D CMPTILA3194 TILA - HELOC Final Note Disclosure (FND) Missing or Incomplete Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
016FDDAA-037B-4A50-8C08-2CAA157AF239 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KS (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.661% with benchmark of 4.69% for a variance of 5.971% exceeding the rate spread trigger of 3% (No Data) (No Data) (No Data) Not Applicable Complete
016FDDAA-037B-4A50-8C08-2CAA157AF239 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KS (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1535 PPP - Prepayment penalty term exceeds state maximum No Prepayment penalty term exceeds state maximum. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
47E67402-F614-44B4-8B13-334AD759991A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
47E67402-F614-44B4-8B13-334AD759991A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
67B82464-B3F7-4C8F-B374-F31F65E6D229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
67B82464-B3F7-4C8F-B374-F31F65E6D229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DB0F3BFC-2F72-43D1-B86C-0E740A9712EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
DB0F3BFC-2F72-43D1-B86C-0E740A9712EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No $XXX fees on HUD are $XXX greater than $XXX fees disclosed on the FND. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DB0F3BFC-2F72-43D1-B86C-0E740A9712EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HELOC Fees on HUD that are not disclosed on the FND are $XXX mortgage broker, $XXX broker processing, and $XXX settlement close fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DB0F3BFC-2F72-43D1-B86C-0E740A9712EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8E7ECC9A-52EB-4AEA-B70B-CAB88DDF1C35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of 03/XX/2007, Initial TIL in file dated 03/XX/2007. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
8E7ECC9A-52EB-4AEA-B70B-CAB88DDF1C35 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 03/XX/2007, GFE in file dated 03/XX/2007. Lender Initial GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
F8C81C7F-DF37-447E-B802-F38AE76C6572 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.190% with HMDA Benchmark Rate 4.700% causing HMDA Benchmark/APR Variance 5.490% which exceeds HMDA Rate Spread Trigger 5.000 (No Data) (No Data) (No Data) Not Applicable Complete
D239F520-FDDB-42B3-B100-C712120E1825 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
D239F520-FDDB-42B3-B100-C712120E1825 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D239F520-FDDB-42B3-B100-C712120E1825 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
735ADB7D-DA23-412A-9EA3-CA9FAFDF3A77 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 7/XX/2007 Test APR 9.346 HMDA Benchmark Rate 5.190 HMDA Benchmark/APR Variance 4.156 HMDA Rate Spread Trigger 3.00 (No Data) (No Data) (No Data) Not Applicable Complete
15C2F807-1AE4-4378-A1C4-2F5CA503A090 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
15C2F807-1AE4-4378-A1C4-2F5CA503A090 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3B82BDEE-BE99-423D-8F6F-A8920797FF34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A B N/A B CMPMAN3690 Some funds not disbursed at closing based on a written agreement for completion of improvements to the property No Missing evidence of all construction funds from holdback of $XXX have been released. (No Data) (No Data) (No Data) Not Applicable Complete
3B82BDEE-BE99-423D-8F6F-A8920797FF34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate. (No Data) (No Data) (No Data) Not Applicable Complete
3B82BDEE-BE99-423D-8F6F-A8920797FF34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application. (No Data) (No Data) (No Data) Not Applicable Complete
3B82BDEE-BE99-423D-8F6F-A8920797FF34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE in file is dated XXX is more than XXX days after application date of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
4A2DA9D5-C437-4FFF-911E-1750580FE0F0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.626% with HMDA Benchmark Rate of 4.910% causing variance of 5.716% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4A2DA9D5-C437-4FFF-911E-1750580FE0F0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4A2DA9D5-C437-4FFF-911E-1750580FE0F0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP955 MI Home Loans -Borrower's Bill of Rights Not in File No Missing MI Bill of Rights. (No Data) (No Data) (No Data) Not Applicable Complete
4A2DA9D5-C437-4FFF-911E-1750580FE0F0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP961 MI Home Loans -Consumer Caution/Homeownership Counseling Notice Not in File No Missing MI Consumer Caution/Homeownership Counseling Notice. (No Data) (No Data) (No Data) Not Applicable Complete
4A2DA9D5-C437-4FFF-911E-1750580FE0F0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Prepayment penalty of 4.2% exceeds maximum allowed of 1%. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7DCD82EE-CC38-4B82-B315-ACD3290EB9FB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable A A A A                               Complete
B454B9A6-507D-419F-A987-01FF3684869E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable A A A A                               Complete
68C06914-9DEE-4F36-BF71-CBF5EF701028 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Review status is NON QM Lender did not document all ATR UW Factors, DU requires PNL and Balance sheet if more than one quarter has elapsed since last filing date of the most recent tax return. Unable to determine if needed due to missing the filing date on the 2015 Tax returns.Lender ATR/QM status is QM: XXX 11/XX/17 Client Provided 2015 tax transcripts 11/XX/17 Client Provided 2015 tax transcripts which reflect 2015 tax returns were received 04/XX/16 showing 2015 tax returns received by IRS 04/XX/2016, exception satisfied (No Data) Not Applicable Complete
68C06914-9DEE-4F36-BF71-CBF5EF701028 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM Status determination 10/XX/17 Client provided XXX ATR/QM status determination 10/XX/17 Client provided XXX ATR/QM status determination, QM: XXX.Exception satisfied (No Data) Not Applicable Complete
68C06914-9DEE-4F36-BF71-CBF5EF701028 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing XXX MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
68C06914-9DEE-4F36-BF71-CBF5EF701028 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Missing individual loan originators middle name per NMLS verification system (No Data) (No Data) (No Data) Not Applicable Complete
8CEC0A5A-FE29-426B-A4FB-C6FEE42CA0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 06/XX/2018-1 [Last CD], Section: Summaries of Transactions, Field: Adjustments for Items Paid by Seller in Advance, line 12, HOA dues missing to and from dates. (No Data) (No Data) Hybrid Not Applicable Complete
0D8EDEF2-D4CD-4E88-9F19-A365E28483A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
5B4D2395-37BB-4E19-878C-4070347B8E55 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
E7444AD5-ACD1-4256-B97C-A7AE30558A33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH A A A A                               Complete
C1410C4D-518B-43E8-9CE1-E4CC39AC5BEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI cert (No Data) Loan is not insured per tape, final grade B (No Data) Not Applicable Complete
C1410C4D-518B-43E8-9CE1-E4CC39AC5BEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 03/XX/2018-1 and CD 03/XX/2018 formatting, Summaries of Transactions, K:11-14 Missing From and to dates for fees (No Data) (No Data) Hybrid Not Applicable Complete
4F9FCCAD-C13C-4526-886F-2C9504DD7D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4F9FCCAD-C13C-4526-886F-2C9504DD7D1E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Disclosure dated 02/XX/2006; Application date is 12/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
7A198AA2-48CF-40F1-B015-E01FF6C62AB0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
7A198AA2-48CF-40F1-B015-E01FF6C62AB0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7A198AA2-48CF-40F1-B015-E01FF6C62AB0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
32278B12-D657-4F5E-BE05-6D94BE681354 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AR (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 8.994%, the benchmark APR is 5.260% resulting in a difference 3.734%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
BF05C11F-1F85-4A24-9684-7B550B10BA99 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD's XXX. Projected Payment, Estimated Taxes, Insurance & Assessments, the Other box is checked off, but no fee name is provided, it says any other Items. (No Data) (No Data) (No Data) Not Applicable Complete
77A1C639-9657-44D7-85B3-DB5B49BE386E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Threshold (Federal) HMDA Benchmark Term HMDA Benchmark Date 5/XX/2006 Test APR 11.597 HMDA Benchmark Rate 5.260 HMDA Benchmark/APR Variance 6.337 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
77A1C639-9657-44D7-85B3-DB5B49BE386E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of 05/XX/2006, TIL in file Dated 05/XX/2006. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
D014F4CF-80AC-42EB-B80C-22ADCDCCD8A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
76CFF0E7-E02A-4C96-9527-95F0B27A5CE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable A A A A                               Complete
8EA2687D-EB49-4FF2-9A47-1BD70D8AF601 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active A C A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Review status is NON QM Lender did not document all ATR UW Factors, missing a verbal VOE for the borrower to confirm current employment status. 6-XX-2018-Client provided ATR QM status determination of QM Safe Harbor. 06/XX/18 Client provided verbal VOE for SE Income and W2 income. Verbal VOE for SE income is acceptable and within 10 days prior to Note date, verbal VOE for W2 income, used for qualifying is not within 10 days of Note as required by DU approval 6-XX-2018-Received ATR QM Status of QM Safe Harbor, Review status is NON QM Lender did not document all ATR UW Factors, missing a verbal VOE for the borrower to confirm current employment status. New exception for different status.06/XX/18 Exception remains (No Data) Not Applicable Complete
8EA2687D-EB49-4FF2-9A47-1BD70D8AF601 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is NON QM Lender did not document all ATR UW Factors, missing a verbal VOE for the borrower to confirm current employment status. 6-XX-2018-Client provided ATR QM status determination of QM Safe Harbor.06/XX/18 Client provided verbal VOE for SE Income and W2 income. Verbal VOE for SE income is acceptable and within 10 days prior to Note date, verbal VOE for W2 income, used for qualifying is not within 10 days of Note as required by DU approval 6-XX-2018-Received ATR QM Status of QM Safe Harbor, Review status is NON QM Lender did not document all ATR UW Factors, missing a verbal VOE for the borrower to confirm current employment status. Exception remains06/XX/18 Exception remains (No Data) Not Applicable Complete
8EA2687D-EB49-4FF2-9A47-1BD70D8AF601 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM Status determination, QM Sheet in file missing whether is Safe Harbor or Rebuttable Presumption. 6-XX-2018-Client provided ATR QM status determination of QM Safe Harbor. 6-XX-2018-Received ATR QM Status of QM Safe Harbor, Exception satisfied. (No Data) Not Applicable Complete
8EA2687D-EB49-4FF2-9A47-1BD70D8AF601 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure within 3 days of application date (No Data) (No Data) (No Data) Not Applicable Complete
8EA2687D-EB49-4FF2-9A47-1BD70D8AF601 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4463 TRID - Assumption selection on the CD does not match the clause in the mortgage. No CD: 09/XX/2017-1 and 09/XX/2017-2, Section: Loan Disclosures, Can Not Allow Assumption is marked; however, the Mortgage rider states assumable. (No Data) (No Data) Non-Numeric Not Applicable Complete
E6389227-1712-4775-BE46-1085C156E859 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C B C B Compliance RESPA Active B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No The List of homeowners counseling organizations dated 01/XX/2017 was not delivered within the required 3 business days. Application is dated 07/XX/2016 (No Data) (No Data) (No Data) Not Applicable Complete
E6389227-1712-4775-BE46-1085C156E859 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE QM: Rebuttable Presumption QM: GSE Temporary - QM/RP C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Ten percent tolerance fee or fees increased beyond tolerance between the Final LE 12/XX/2017 $XXX and Initial CD 01/XX/2017 $XXX .Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $17.90 for the increase. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
89831464-C329-4ECC-9E9D-D3FFBBCED544 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
89831464-C329-4ECC-9E9D-D3FFBBCED544 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No HELOC Early Disclosure dated 04/XX/2005 was not provided with 3 days of Application dated 04/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
89831464-C329-4ECC-9E9D-D3FFBBCED544 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of 09/XX/2005 is before disclosed Midnight of date of 10/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
89831464-C329-4ECC-9E9D-D3FFBBCED544 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date per HUD of 09/XX/2005 is prior to end of rescission period date of 10/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
89831464-C329-4ECC-9E9D-D3FFBBCED544 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
89831464-C329-4ECC-9E9D-D3FFBBCED544 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No HELOC Early Disclosure dated 04/XX/2005 was not provided with 3 days of Application dated 04/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
89831464-C329-4ECC-9E9D-D3FFBBCED544 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD Fees of $892.19 are greater than FND fees of $767.69. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
89831464-C329-4ECC-9E9D-D3FFBBCED544 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HELOC fee on HUD of $124.50 for state Tax stamps was not disclosed on FND. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EC95FFA4-B19C-4437-BE08-1CC2D6561C18 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Ability to Repay/Qualified Mortgage Active B B B B CMPATRQM4645 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender's status determination is not in file No Loan subject to ATR/QM mortgage rule; Lender did not document borrowers income documentation and credit report. (No Data) (No Data) (No Data) Not Applicable Complete
EC95FFA4-B19C-4437-BE08-1CC2D6561C18 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EC95FFA4-B19C-4437-BE08-1CC2D6561C18 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
EC95FFA4-B19C-4437-BE08-1CC2D6561C18 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing homeowners counseling organizations list. (No Data) (No Data) (No Data) Not Applicable Complete
EC95FFA4-B19C-4437-BE08-1CC2D6561C18 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing Good Faith Estimate. Unable to test. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3D32BF67-89AA-4458-8553-9A50422CE812 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3604 TRID - Error discovered on Closing Disclosure No Final CD Issued 05/XX/2017. Additional Seller address is missing from the CD Addendum (No Data) (No Data) (No Data) Not Applicable Complete
D0BDDE19-5BDA-4F80-BBFD-AF6C56F39683 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is NON QM lender did not document all ATR UW Factors, Missing assets of $17401.25 for EMD of $3500 and cash to close of $13901.25. 12/XX/18 - Assets There are bank statements in the file that total up to the $138,579.73 amount. Also provided; ATR explanation in the form of 85 page PDF of tax returns. 12/XX/18 - Asset verification not located in fin the file delivered. Exception remains. (No Data) Not Applicable Complete
D0BDDE19-5BDA-4F80-BBFD-AF6C56F39683 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes NEW: Review status is ATR Risk: Non-QM - Lender did not document all ATR UW factors . Lender status is Temporary SHQM . (No Data) (No Data) (No Data) Not Applicable Complete
D0BDDE19-5BDA-4F80-BBFD-AF6C56F39683 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM Status determination. 12/XX/18 - status provided. Temporary SHQM 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
D0BDDE19-5BDA-4F80-BBFD-AF6C56F39683 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D0BDDE19-5BDA-4F80-BBFD-AF6C56F39683 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers. (No Data) (No Data) (No Data) Not Applicable Complete
D0BDDE19-5BDA-4F80-BBFD-AF6C56F39683 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Final CD 04/XX/2017, estimated Taxes, Insurance & Assessments, Other selected, however, specified fee not being escrowed is missing. (No Data) (No Data) (No Data) Not Applicable Complete
D0BDDE19-5BDA-4F80-BBFD-AF6C56F39683 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $864.12 for Loan Amount Points increase on LE 04/XX/2017-1 for zero percent tolerance fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D0BDDE19-5BDA-4F80-BBFD-AF6C56F39683 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: GSE Temporary - QM/SH ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No Missing E-Consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0A05DA91-ACF4-49DC-9CFF-465CCF4957CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
0A05DA91-ACF4-49DC-9CFF-465CCF4957CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
0A05DA91-ACF4-49DC-9CFF-465CCF4957CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
0A05DA91-ACF4-49DC-9CFF-465CCF4957CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
0A05DA91-ACF4-49DC-9CFF-465CCF4957CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0A05DA91-ACF4-49DC-9CFF-465CCF4957CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0A05DA91-ACF4-49DC-9CFF-465CCF4957CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
FC1807BF-304D-46B3-BEE3-82AA16320229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
FC1807BF-304D-46B3-BEE3-82AA16320229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
FC1807BF-304D-46B3-BEE3-82AA16320229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
FC1807BF-304D-46B3-BEE3-82AA16320229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No APR 7.405 - HMDA Benchmark Rate 4.350 = HMDA Benchmark/APR Variance 3.055 which exceeds the max HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
FC1807BF-304D-46B3-BEE3-82AA16320229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm delivery. (No Data) (No Data) (No Data) Not Applicable Complete
FC1807BF-304D-46B3-BEE3-82AA16320229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE. (No Data) (No Data) (No Data) Not Applicable Complete
28DDB460-A3F7-4E4A-9BF3-91C56FA4837B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
28DDB460-A3F7-4E4A-9BF3-91C56FA4837B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
28DDB460-A3F7-4E4A-9BF3-91C56FA4837B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
28DDB460-A3F7-4E4A-9BF3-91C56FA4837B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
28DDB460-A3F7-4E4A-9BF3-91C56FA4837B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
28DDB460-A3F7-4E4A-9BF3-91C56FA4837B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D0A4195F-2E36-46EA-B8C5-99D0F52F555F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D0A4195F-2E36-46EA-B8C5-99D0F52F555F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
D0A4195F-2E36-46EA-B8C5-99D0F52F555F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
D0A4195F-2E36-46EA-B8C5-99D0F52F555F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by Borrower, unable to confirm Timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D0A4195F-2E36-46EA-B8C5-99D0F52F555F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D0A4195F-2E36-46EA-B8C5-99D0F52F555F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
D0A4195F-2E36-46EA-B8C5-99D0F52F555F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D0A4195F-2E36-46EA-B8C5-99D0F52F555F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1131 Late Charges - Grace Period not adequate under state law No Grace Period of 10 day not adequate under state law of 15 day. (No Data) (No Data) (No Data) Not Applicable Complete
1D11B88A-2CF8-4117-936E-C436A56C1AB4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
1D11B88A-2CF8-4117-936E-C436A56C1AB4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
1D11B88A-2CF8-4117-936E-C436A56C1AB4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application Date 01/XX/05, Initial TIL Dated 01/XX/05. TIL disclosure not made within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
1D11B88A-2CF8-4117-936E-C436A56C1AB4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1D11B88A-2CF8-4117-936E-C436A56C1AB4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 and Note/Final TIL missing from file. Cannot determine if funding date is after rescission period. (No Data) (No Data) (No Data) Not Applicable Complete
019B4C9B-CB3E-470A-9B5D-3C497E9C7518 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
019B4C9B-CB3E-470A-9B5D-3C497E9C7518 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
019B4C9B-CB3E-470A-9B5D-3C497E9C7518 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 8.140%, the benchmark APR is 4.950% resulting in a difference of 3.190%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
019B4C9B-CB3E-470A-9B5D-3C497E9C7518 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
019B4C9B-CB3E-470A-9B5D-3C497E9C7518 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP320 TILA - Prepay not disclosed on TIL No Prepay not disclosed on final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
019B4C9B-CB3E-470A-9B5D-3C497E9C7518 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
019B4C9B-CB3E-470A-9B5D-3C497E9C7518 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing funding date. (No Data) (No Data) (No Data) Not Applicable Complete
3FBD6DB8-D4F7-4264-B03E-4D29E826AA27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage (No Data) (No Data) (No Data) Not Applicable Complete
3FBD6DB8-D4F7-4264-B03E-4D29E826AA27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
3FBD6DB8-D4F7-4264-B03E-4D29E826AA27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.688; HMDA benchmark rate 5.110. APR variance of 5.578 exceeds 3.000 trigger. (No Data) (No Data) (No Data) Not Applicable Complete
3FBD6DB8-D4F7-4264-B03E-4D29E826AA27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
3FBD6DB8-D4F7-4264-B03E-4D29E826AA27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower (No Data) (No Data) (No Data) Not Applicable Complete
3FBD6DB8-D4F7-4264-B03E-4D29E826AA27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
795246EC-16F0-4068-99F8-076E411E56CF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes NEW: Review status is QM: GSE Temporary - QM/RP, as loan is a Higher-Priced Covered Transaction. Lender status is Temporary SHQM. (No Data) (No Data) (No Data) Not Applicable Complete
795246EC-16F0-4068-99F8-076E411E56CF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Lender did not provide an ATR/QM status determination 12/XX/18 - status provided; Temporary SHQM 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
795246EC-16F0-4068-99F8-076E411E56CF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Missing VVOE within 10 days of closing. VVOE dated 10/XX/2017; loan Closed 11/XX/2017. 12/XX/18 - VVOE 11/XX/17 provided. 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
3887A383-FDD8-4B90-9DE0-1B2EC3671EAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
3887A383-FDD8-4B90-9DE0-1B2EC3671EAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.085 HMDA Benchmark Rate 4.810 HMDA Benchmark/APR Variance 7.275 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
3887A383-FDD8-4B90-9DE0-1B2EC3671EAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Preliminary TIL dated 3/XX/2007 not made within 3 days of application date of 1/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
3887A383-FDD8-4B90-9DE0-1B2EC3671EAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3887A383-FDD8-4B90-9DE0-1B2EC3671EAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3887A383-FDD8-4B90-9DE0-1B2EC3671EAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3887A383-FDD8-4B90-9DE0-1B2EC3671EAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3887A383-FDD8-4B90-9DE0-1B2EC3671EAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32A16DF0-9E64-47F2-BBE5-CDC267C19AA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
32A16DF0-9E64-47F2-BBE5-CDC267C19AA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
32A16DF0-9E64-47F2-BBE5-CDC267C19AA0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement Date is Missing cannot determine if funding date is after rescission period. (No Data) (No Data) (No Data) Not Applicable Complete
14FB365B-AFB3-4607-A52B-0C543A0D8766 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
14FB365B-AFB3-4607-A52B-0C543A0D8766 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
14FB365B-AFB3-4607-A52B-0C543A0D8766 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
14FB365B-AFB3-4607-A52B-0C543A0D8766 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F09C34F9-4A53-401B-A90F-BE0EE74E6B9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing MI renewal rates/amounts to enable test. (No Data) (No Data) (No Data) Not Applicable Complete
F09C34F9-4A53-401B-A90F-BE0EE74E6B9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA mortgage insurance certificate. (No Data) (No Data) (No Data) Not Applicable Complete
F09C34F9-4A53-401B-A90F-BE0EE74E6B9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
F09C34F9-4A53-401B-A90F-BE0EE74E6B9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F09C34F9-4A53-401B-A90F-BE0EE74E6B9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E45FFA17-4569-4482-B0B4-C2D6C0455FDF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
E45FFA17-4569-4482-B0B4-C2D6C0455FDF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
E45FFA17-4569-4482-B0B4-C2D6C0455FDF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E45FFA17-4569-4482-B0B4-C2D6C0455FDF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E45FFA17-4569-4482-B0B4-C2D6C0455FDF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1DFBDAEE-02D0-4025-BC1C-C0013390BD4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1DFBDAEE-02D0-4025-BC1C-C0013390BD4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
1DFBDAEE-02D0-4025-BC1C-C0013390BD4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.270% with HMDA Benchmark Rate of 4.920% causing variance of 7.350% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
1DFBDAEE-02D0-4025-BC1C-C0013390BD4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
1DFBDAEE-02D0-4025-BC1C-C0013390BD4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1DFBDAEE-02D0-4025-BC1C-C0013390BD4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
1DFBDAEE-02D0-4025-BC1C-C0013390BD4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8262C5D1-7C0E-4D76-A91F-26F76C77F647 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert (No Data) (No Data) (No Data) Not Applicable Complete
8262C5D1-7C0E-4D76-A91F-26F76C77F647 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
8262C5D1-7C0E-4D76-A91F-26F76C77F647 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
8262C5D1-7C0E-4D76-A91F-26F76C77F647 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
8262C5D1-7C0E-4D76-A91F-26F76C77F647 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
00ED5076-6FE8-449B-9C96-53CE593DE660 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
00ED5076-6FE8-449B-9C96-53CE593DE660 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
00ED5076-6FE8-449B-9C96-53CE593DE660 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3311F894-A3C6-4BD9-9165-FAC0D8F4EB31 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3311F894-A3C6-4BD9-9165-FAC0D8F4EB31 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage (No Data) (No Data) (No Data) Not Applicable Complete
3311F894-A3C6-4BD9-9165-FAC0D8F4EB31 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
3311F894-A3C6-4BD9-9165-FAC0D8F4EB31 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower (No Data) (No Data) (No Data) Not Applicable Complete
3311F894-A3C6-4BD9-9165-FAC0D8F4EB31 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
3311F894-A3C6-4BD9-9165-FAC0D8F4EB31 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1, unable to capture fees. (No Data) (No Data) (No Data) Not Applicable Complete
3311F894-A3C6-4BD9-9165-FAC0D8F4EB31 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F42C4996-48AA-4167-A5A1-36792012EA88 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
F42C4996-48AA-4167-A5A1-36792012EA88 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F42C4996-48AA-4167-A5A1-36792012EA88 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F42C4996-48AA-4167-A5A1-36792012EA88 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6CF76AF1-A983-4AA7-805F-BB913AD37EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6CF76AF1-A983-4AA7-805F-BB913AD37EF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
29941D55-F1D0-4921-9FD5-BEA5D5DEABEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
29941D55-F1D0-4921-9FD5-BEA5D5DEABEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
29941D55-F1D0-4921-9FD5-BEA5D5DEABEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE provided more than 3 days from Application Date. Application date 11/XX/2012. GFE dated 12/XX/2012. (No Data) (No Data) (No Data) Not Applicable Complete
29941D55-F1D0-4921-9FD5-BEA5D5DEABEC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA868 Settlement charge estimate not available for 10 business days No GFE dated 12/XX/12; disclose settlement charges available through 11/XX/12. (No Data) (No Data) (No Data) Not Applicable Complete
4515041A-41A8-49BE-8003-5B6F25D219FC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
4515041A-41A8-49BE-8003-5B6F25D219FC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A C N/A C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
4515041A-41A8-49BE-8003-5B6F25D219FC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC195 Missing Note Yes Missing note at time of origination, 9/XX/98. There are 2 amended and restated notes in file with respective first payment dates of 8/XX/05 and 1/XX/08. (No Data) (No Data) (No Data) Not Applicable Complete
4515041A-41A8-49BE-8003-5B6F25D219FC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
4515041A-41A8-49BE-8003-5B6F25D219FC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4515041A-41A8-49BE-8003-5B6F25D219FC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
4515041A-41A8-49BE-8003-5B6F25D219FC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
A3050B91-2682-4A1C-BCB1-FC4B64836AB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3050B91-2682-4A1C-BCB1-FC4B64836AB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A3050B91-2682-4A1C-BCB1-FC4B64836AB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3050B91-2682-4A1C-BCB1-FC4B64836AB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3050B91-2682-4A1C-BCB1-FC4B64836AB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3050B91-2682-4A1C-BCB1-FC4B64836AB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A3050B91-2682-4A1C-BCB1-FC4B64836AB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
A3050B91-2682-4A1C-BCB1-FC4B64836AB3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BD0A3DE8-8CCB-46A8-ABFA-A157B2337855 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BD0A3DE8-8CCB-46A8-ABFA-A157B2337855 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
CCE796E2-5B57-4CEB-9F82-47F7C8B37D1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
CCE796E2-5B57-4CEB-9F82-47F7C8B37D1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL at application (No Data) (No Data) (No Data) Not Applicable Complete
CCE796E2-5B57-4CEB-9F82-47F7C8B37D1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
CCE796E2-5B57-4CEB-9F82-47F7C8B37D1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CCE796E2-5B57-4CEB-9F82-47F7C8B37D1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL at closing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CCE796E2-5B57-4CEB-9F82-47F7C8B37D1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
CCE796E2-5B57-4CEB-9F82-47F7C8B37D1C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active C B C B CMPSTPP301 PPP - Prepayment penalty expires after latest date permitted by state No Prepayment penalty expires after latest date permitted by state. PPP expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
678BF0F2-BB0F-41BE-BB86-24AB89BAB2D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
678BF0F2-BB0F-41BE-BB86-24AB89BAB2D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
678BF0F2-BB0F-41BE-BB86-24AB89BAB2D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
678BF0F2-BB0F-41BE-BB86-24AB89BAB2D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
678BF0F2-BB0F-41BE-BB86-24AB89BAB2D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
678BF0F2-BB0F-41BE-BB86-24AB89BAB2D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0D9B4B66-58C8-4028-BE93-C52FFA937B39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
0D9B4B66-58C8-4028-BE93-C52FFA937B39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0D9B4B66-58C8-4028-BE93-C52FFA937B39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
8F38DC9E-D32D-47DD-8BF7-2E9341DBE2C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
8F38DC9E-D32D-47DD-8BF7-2E9341DBE2C3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
04BDB8E7-1C36-4744-B0DE-77966B949778 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
04BDB8E7-1C36-4744-B0DE-77966B949778 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.645 HMDA Benchmark Rate 4.830 HMDA Benchmark/APR Variance 6.815 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
04BDB8E7-1C36-4744-B0DE-77966B949778 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR is missing; disbursement date per Note is 12/XX/2005. Earliest rescission date allowable is 12/XX/2005. Loan funds were disbursed prior to mandatory rescission period expiration date. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04BDB8E7-1C36-4744-B0DE-77966B949778 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DD0816ED-B29D-4AA3-A67A-7DC7E18E04AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
DD0816ED-B29D-4AA3-A67A-7DC7E18E04AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DD0816ED-B29D-4AA3-A67A-7DC7E18E04AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
42B29412-9E61-4DB8-ADFB-BBF87A030876 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
42B29412-9E61-4DB8-ADFB-BBF87A030876 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.042% with HMDA Benchmark Rate of 4.920% causing variance of 4.122% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
42B29412-9E61-4DB8-ADFB-BBF87A030876 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B8F0F999-8E4D-4BD7-AE0E-650B324AC26F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
B8F0F999-8E4D-4BD7-AE0E-650B324AC26F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B8F0F999-8E4D-4BD7-AE0E-650B324AC26F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by Borrower, unable to confirm Timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
66032460-9841-414A-8E27-E95CEED40D51 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
66032460-9841-414A-8E27-E95CEED40D51 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
66032460-9841-414A-8E27-E95CEED40D51 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B5EEEDF1-4D17-4121-8D58-C4DA848C85C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B5EEEDF1-4D17-4121-8D58-C4DA848C85C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.284% with HMDA Benchmark Rate of 4.760% causing variance of 4.524% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
B5EEEDF1-4D17-4121-8D58-C4DA848C85C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B5EEEDF1-4D17-4121-8D58-C4DA848C85C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A6708964-5248-4E2D-B8C1-3BC5156821AE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A6708964-5248-4E2D-B8C1-3BC5156821AE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A6708964-5248-4E2D-B8C1-3BC5156821AE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.246%, the benchmark APR is 4.690% resulting in a difference 5.556%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
A6708964-5248-4E2D-B8C1-3BC5156821AE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A6708964-5248-4E2D-B8C1-3BC5156821AE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F69E2648-0213-4BF7-B762-DD8F9A1BC217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F69E2648-0213-4BF7-B762-DD8F9A1BC217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
F69E2648-0213-4BF7-B762-DD8F9A1BC217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.745% with HMDA Benchmark Rate of 5.240% causing variance of 3.505% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
F69E2648-0213-4BF7-B762-DD8F9A1BC217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F69E2648-0213-4BF7-B762-DD8F9A1BC217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E641EB8-7047-4DBD-B3D6-629522C8BD72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
3E641EB8-7047-4DBD-B3D6-629522C8BD72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.884% with HMDA Benchmark Rate of 4.570% causing variance of 7.314% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
3E641EB8-7047-4DBD-B3D6-629522C8BD72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E641EB8-7047-4DBD-B3D6-629522C8BD72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3E641EB8-7047-4DBD-B3D6-629522C8BD72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is unknown. (No Data) (No Data) (No Data) Not Applicable Complete
3E641EB8-7047-4DBD-B3D6-629522C8BD72 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6141DA6C-CF1B-4DDD-B699-49FA16C77E2E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6141DA6C-CF1B-4DDD-B699-49FA16C77E2E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.406% with HMDA Benchmark Rate of 4.730% causing variance of 4.676% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
6141DA6C-CF1B-4DDD-B699-49FA16C77E2E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6141DA6C-CF1B-4DDD-B699-49FA16C77E2E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6FBC2CDF-435F-4E23-AB36-DD838511B9CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6FBC2CDF-435F-4E23-AB36-DD838511B9CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.553% with HMDA Benchmark Rate of 5.230% causing variance of 5.323% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
6FBC2CDF-435F-4E23-AB36-DD838511B9CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6FBC2CDF-435F-4E23-AB36-DD838511B9CA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1C7E6D4D-ED66-486A-835E-A3600EC1AEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
1C7E6D4D-ED66-486A-835E-A3600EC1AEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 12.324% with HMDA Benchmark Rate of 4.940% causing variance of 7.384% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
1C7E6D4D-ED66-486A-835E-A3600EC1AEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1C7E6D4D-ED66-486A-835E-A3600EC1AEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1C7E6D4D-ED66-486A-835E-A3600EC1AEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1C7E6D4D-ED66-486A-835E-A3600EC1AEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1C7E6D4D-ED66-486A-835E-A3600EC1AEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B22C56F5-1862-4153-A98E-1B4937228098 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert (No Data) (No Data) (No Data) Not Applicable Complete
B22C56F5-1862-4153-A98E-1B4937228098 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
B22C56F5-1862-4153-A98E-1B4937228098 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lender initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
B22C56F5-1862-4153-A98E-1B4937228098 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
072D2512-A1AF-47EC-ADB5-FD3C2CBFEA12 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
072D2512-A1AF-47EC-ADB5-FD3C2CBFEA12 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
072D2512-A1AF-47EC-ADB5-FD3C2CBFEA12 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
072D2512-A1AF-47EC-ADB5-FD3C2CBFEA12 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
072D2512-A1AF-47EC-ADB5-FD3C2CBFEA12 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
38456CAC-6AAE-4820-902B-3D916BA2354C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
38456CAC-6AAE-4820-902B-3D916BA2354C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
38456CAC-6AAE-4820-902B-3D916BA2354C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.793% with HMDA Benchmark Rate of 5.000% causing variance of 4.793% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes XX Equity- Missing Itemized disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE327 TX Equity - Owner and Spouse not provided 3 calendar day ROR period Yes XX Equity - Missing Right Of Rescission. (No Data) (No Data) (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE114 TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) Yes Missing XX Notice Concerning Extensions of Credit. (No Data) (No Data) (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE117 TX Equity - Missing Affidavit of Fair Market Value Yes XX Equity- Missing Affidavit of Fair Market Value. (No Data) (No Data) (No Data) Not Applicable Complete
B37821B8-1FC3-4B04-8C55-B5285E9F7438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE308 Voluntary Same-Lender Debt disclosure not provided to borrower Yes Missing voluntary same lender debt disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
188DC31C-E011-4596-A0FA-ECAA3F0E31AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
188DC31C-E011-4596-A0FA-ECAA3F0E31AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
188DC31C-E011-4596-A0FA-ECAA3F0E31AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.00% with HMDA Benchmark Rate 5.010% causing HMDA Benchmark/APR Variance 6.990% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
188DC31C-E011-4596-A0FA-ECAA3F0E31AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
188DC31C-E011-4596-A0FA-ECAA3F0E31AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
188DC31C-E011-4596-A0FA-ECAA3F0E31AD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
62CA3F65-0A6E-4905-B722-9F4603505DA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
62CA3F65-0A6E-4905-B722-9F4603505DA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.038% with HMDA Benchmark Rate 4.690% causing HMDA Benchmark/APR Variance 4.348% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
62CA3F65-0A6E-4905-B722-9F4603505DA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
62CA3F65-0A6E-4905-B722-9F4603505DA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
62CA3F65-0A6E-4905-B722-9F4603505DA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
62CA3F65-0A6E-4905-B722-9F4603505DA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
E90DE3E8-D790-4685-9FB8-B38DA1D5EBDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D5BE7737-D827-4C96-852F-6E18E5807C27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
D5BE7737-D827-4C96-852F-6E18E5807C27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
D5BE7737-D827-4C96-852F-6E18E5807C27 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Sum of scheduled payments of $XXX not equal to TIL total of payments of $XXX. Difference of $.71. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No $XXX finance charge is understated by $381.96 from $XXX Pay-stream. Unable to determine reason as TIL itemization is not in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
125BC316-6BD9-4E02-9962-323A89EB7CA3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is unknown. (No Data) (No Data) (No Data) Not Applicable Complete
C617E3C2-CBFF-49C5-AEF1-A325A6D5397B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
C617E3C2-CBFF-49C5-AEF1-A325A6D5397B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
C617E3C2-CBFF-49C5-AEF1-A325A6D5397B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
C617E3C2-CBFF-49C5-AEF1-A325A6D5397B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 6.644% per final TIL with a benchmark rate of 2.230% resulting in a variance of 4.414% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
C617E3C2-CBFF-49C5-AEF1-A325A6D5397B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
C617E3C2-CBFF-49C5-AEF1-A325A6D5397B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
53DF593D-C107-4F2E-8205-8BFE8C24B70A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Borrower's Interest Active B B B B CMPBI1203 VA - Refi within 12 mos/undetermined No Missing title, unable to determine prior refinance. (No Data) (No Data) (No Data) Not Applicable Complete
53DF593D-C107-4F2E-8205-8BFE8C24B70A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
53DF593D-C107-4F2E-8205-8BFE8C24B70A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. Date is typed. (No Data) (No Data) (No Data) Not Applicable Complete
53DF593D-C107-4F2E-8205-8BFE8C24B70A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
53DF593D-C107-4F2E-8205-8BFE8C24B70A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
53DF593D-C107-4F2E-8205-8BFE8C24B70A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP306 PPP - Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. No Missing state-required disclosure that a PPP cannot be assessed upon a bona fide sale. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
7ECB5B73-EDC9-4FCE-94BB-6164EF620365 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
7ECB5B73-EDC9-4FCE-94BB-6164EF620365 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
7ECB5B73-EDC9-4FCE-94BB-6164EF620365 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A78B8E4E-D251-4B02-AFC9-B85910062B32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing required mortgage insurance certificate. (No Data) (No Data) (No Data) Not Applicable Complete
A78B8E4E-D251-4B02-AFC9-B85910062B32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
A78B8E4E-D251-4B02-AFC9-B85910062B32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A78B8E4E-D251-4B02-AFC9-B85910062B32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A78B8E4E-D251-4B02-AFC9-B85910062B32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A78B8E4E-D251-4B02-AFC9-B85910062B32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No End of Rescission period is 11/XX/2005, Disbursement date is 11/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A78B8E4E-D251-4B02-AFC9-B85910062B32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DFABB1B9-A984-4C21-B7E2-3B545D94C4E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
DFABB1B9-A984-4C21-B7E2-3B545D94C4E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
DFABB1B9-A984-4C21-B7E2-3B545D94C4E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DB6A6A9F-E549-4BEE-A511-0E66C137F9C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DB6A6A9F-E549-4BEE-A511-0E66C137F9C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
DB6A6A9F-E549-4BEE-A511-0E66C137F9C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
DB6A6A9F-E549-4BEE-A511-0E66C137F9C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.461 HMDA Benchmark Rate 4.540 HMDA Benchmark/APR Variance 6.921 HMDA Rate Spread Trigger 1.500 (No Data) (No Data) (No Data) Not Applicable Complete
DB6A6A9F-E549-4BEE-A511-0E66C137F9C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DB6A6A9F-E549-4BEE-A511-0E66C137F9C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Missing Disbursement Date. Cannot determine if funding date is after rescission period. (No Data) (No Data) (No Data) Not Applicable Complete
DB6A6A9F-E549-4BEE-A511-0E66C137F9C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BBBEEAE5-E101-4284-80F3-A59527DDA340 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA Mortgage Insurance Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
BBBEEAE5-E101-4284-80F3-A59527DDA340 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage (No Data) (No Data) (No Data) Not Applicable Complete
BBBEEAE5-E101-4284-80F3-A59527DDA340 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
BBBEEAE5-E101-4284-80F3-A59527DDA340 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same (No Data) (No Data) (No Data) Not Applicable Complete
BBBEEAE5-E101-4284-80F3-A59527DDA340 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BBBEEAE5-E101-4284-80F3-A59527DDA340 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active B B B B CMPTILA1947 Final TIL Date after actual transaction date No Final TIL Date 6/XX/2011 after actual transaction date of 6/XX/2011. Missing mortgage to verify the actual signing/notary/closing date. (No Data) (No Data) (No Data) Not Applicable Complete
1A2CD848-D6F4-4D0D-B23E-993917430E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No TIL Disc for APR is 12.13%, XXX Paystream APR is 12.5002% for a difference of -.3702% (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1A2CD848-D6F4-4D0D-B23E-993917430E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
1A2CD848-D6F4-4D0D-B23E-993917430E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
1A2CD848-D6F4-4D0D-B23E-993917430E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 12.500 HMDA Benchmark Rate 4.880 HMDA Benchmark/APR Variance 7.620 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
1A2CD848-D6F4-4D0D-B23E-993917430E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm delivery. (No Data) (No Data) (No Data) Not Applicable Complete
1A2CD848-D6F4-4D0D-B23E-993917430E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1A2CD848-D6F4-4D0D-B23E-993917430E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1A2CD848-D6F4-4D0D-B23E-993917430E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B40EA659-B57D-4A74-948E-7DFA865D4CE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Per title report dated 5/XX/18. Unreleased prior Mortgage recorded 3/XX/2005. This may put transaction Mortgage in 2nd lien position. (No Data) (No Data) (No Data) Not Applicable Complete
B40EA659-B57D-4A74-948E-7DFA865D4CE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
B40EA659-B57D-4A74-948E-7DFA865D4CE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.880%, the benchmark APR is 4.930% resulting in a difference of 4.950%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
B40EA659-B57D-4A74-948E-7DFA865D4CE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B40EA659-B57D-4A74-948E-7DFA865D4CE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
B40EA659-B57D-4A74-948E-7DFA865D4CE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0513F82B-0D6A-49C2-B365-FCDC0419BF65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0513F82B-0D6A-49C2-B365-FCDC0419BF65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0513F82B-0D6A-49C2-B365-FCDC0419BF65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0513F82B-0D6A-49C2-B365-FCDC0419BF65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0B49CE8C-652C-4509-8AD3-CD17909666FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0B49CE8C-652C-4509-8AD3-CD17909666FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0B49CE8C-652C-4509-8AD3-CD17909666FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.789% with HMDA Benchmark Rate of 5.340% causing variance of 4.449% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
0B49CE8C-652C-4509-8AD3-CD17909666FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0B49CE8C-652C-4509-8AD3-CD17909666FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0B49CE8C-652C-4509-8AD3-CD17909666FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A7B057E-AD13-429B-AB6A-C9921A98C3B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A7B057E-AD13-429B-AB6A-C9921A98C3B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
6A7B057E-AD13-429B-AB6A-C9921A98C3B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
6A7B057E-AD13-429B-AB6A-C9921A98C3B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
6A7B057E-AD13-429B-AB6A-C9921A98C3B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A7B057E-AD13-429B-AB6A-C9921A98C3B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6A7B057E-AD13-429B-AB6A-C9921A98C3B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
156D6C81-2A57-490E-8670-60A516E87522 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
156D6C81-2A57-490E-8670-60A516E87522 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
156D6C81-2A57-490E-8670-60A516E87522 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.106% with HDMA bench mark rate of 4.750% causing variance of 6.356% which exceeds 3.000% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
156D6C81-2A57-490E-8670-60A516E87522 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
156D6C81-2A57-490E-8670-60A516E87522 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EE2118EE-B0F7-4EFB-8E60-E29BD3D8F245 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
EE2118EE-B0F7-4EFB-8E60-E29BD3D8F245 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
EE2118EE-B0F7-4EFB-8E60-E29BD3D8F245 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.460 HMDA Benchmark Rate 5.130 HMDA Benchmark/APR Variance 6.330 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
EE2118EE-B0F7-4EFB-8E60-E29BD3D8F245 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
EE2118EE-B0F7-4EFB-8E60-E29BD3D8F245 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EA4D8CD9-C9AC-4C3C-B4DD-4EA7C266C263 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX UT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure (No Data) (No Data) (No Data) Not Applicable Complete
B0AD9C8D-FEBE-4DE5-8E73-CBA5F0E7AFD3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.901 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 4.211 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
57255419-B5EF-4A34-9C33-7D833A73897E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable A A A A                               Complete
4E8F5731-0C85-4CC4-9F6A-DD6846E7A35B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.922%, HMDA Benchmark Rate 4.690%, HMDA Benchmark/APR Variance 4.232%, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
F1C8B59B-AC8C-4334-8CA9-6926FF0AC244 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.264% with HMDA Benchmark Rate of 5.220% causing variance of 5.044% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
585684D7-86C1-46F8-8939-F84A969CA229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.026% with HMDA Benchmark Rate of 5.410% causing variance of 4.616% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
585684D7-86C1-46F8-8939-F84A969CA229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing lender initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
585684D7-86C1-46F8-8939-F84A969CA229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing lender GFE (No Data) (No Data) (No Data) Not Applicable Complete
08619A1D-05D0-4255-B54C-E80FCD64F3B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Understatement due to attorney closing fee $XXX underdisclosed on Itemization of Amount Financed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8E8E2ACD-6295-4A51-A238-98F33E3D2832 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8E8E2ACD-6295-4A51-A238-98F33E3D2832 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 10.022% per final TIL with a benchmark rate of 4.750% resulting in a variance of 5.272% which exceeds HMDA rate spread trigger of 3.000% (No Data) (No Data) (No Data) Not Applicable Complete
8E8E2ACD-6295-4A51-A238-98F33E3D2832 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
8E8E2ACD-6295-4A51-A238-98F33E3D2832 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8E8E2ACD-6295-4A51-A238-98F33E3D2832 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8E8E2ACD-6295-4A51-A238-98F33E3D2832 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
0B6C6908-FD51-4335-9F33-5E9A0BFAA9F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 360 HMDA Benchmark Date 4/XX/2006 Test APR 9.838 HMDA Benchmark Rate 5.110 HMDA Benchmark/APR Variance 4.728 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
BBABE9A2-5F3A-4947-AFE9-4A723100F79D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable A A A A                               Complete
35A37653-CE87-4FE8-9CFC-7732011F15F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.972%, HMDA Benchmark Rate 5.260%, HMDA Benchmark/APR Variance 3.712%, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
35A37653-CE87-4FE8-9CFC-7732011F15F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure dated 6/XX/07, application dated 6/XX/07. (No Data) (No Data) (No Data) Not Applicable Complete
706A65A1-627A-46AB-B40F-B09FA7D1C0F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No Prepayment penalty exceeds maximum allowed, PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
396FADE9-80DA-49C8-827F-8D868D0E26E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Disclosure dated 04/XX/2007 was given over 3 days from Application dated 03/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
F9C85C54-1A73-4AB9-8CB5-7842C4C591EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7D5CF597-C28E-486B-A247-6D3A7AA9DE5B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.799 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 7.109 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
7D5CF597-C28E-486B-A247-6D3A7AA9DE5B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
17617C93-371E-4C2D-9B1F-3FE23C4387DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not executed. (No Data) (No Data) (No Data) Not Applicable Complete
17617C93-371E-4C2D-9B1F-3FE23C4387DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
17617C93-371E-4C2D-9B1F-3FE23C4387DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
17617C93-371E-4C2D-9B1F-3FE23C4387DD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1, unable to capture fees. (No Data) (No Data) (No Data) Not Applicable Complete
4442EE27-BD97-4A6B-A421-A44505A76B29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.920% with HMDA Benchmark Rate of 4.810% causing variance of 6.110% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
4442EE27-BD97-4A6B-A421-A44505A76B29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CF354ECF-E805-4503-9C17-FB35A45B3AA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CF354ECF-E805-4503-9C17-FB35A45B3AA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
CF354ECF-E805-4503-9C17-FB35A45B3AA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CF354ECF-E805-4503-9C17-FB35A45B3AA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CF354ECF-E805-4503-9C17-FB35A45B3AA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
CF354ECF-E805-4503-9C17-FB35A45B3AA8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1, unable to capture fees. (No Data) (No Data) (No Data) Not Applicable Complete
4798111A-EFDF-4220-AB50-DAF3FFAC7EB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR is 8.463%, HMDA Benchmark rate of 5.05% for a variance of 3.413% exceeding the HMDA rate spread trigger of 3%. (No Data) (No Data) (No Data) (No Data) Complete
977988E0-9EE2-487A-860D-26CB3A694FD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No TIL 1st payment date of 12-XX-03 does not match Note 1st payment date of 1-XX-2004. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
977988E0-9EE2-487A-860D-26CB3A694FD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Prepayment penalty 6% of original Principal balance in 3 years, exceeds maximum allowed by State of (2%). PPP Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
977988E0-9EE2-487A-860D-26CB3A694FD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP108 PPP - Prepayment penalty type exceeds maximum allowed No Prepayment penalty type (6% of OPB in 36 months) exceeds maximum allowed 2% of UPB with MO Prepay avoidance clause. PPP Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FFC5CCFD-DF0A-4704-B9F3-C6B1D71DF382 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FFC5CCFD-DF0A-4704-B9F3-C6B1D71DF382 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
FFC5CCFD-DF0A-4704-B9F3-C6B1D71DF382 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
065D99F4-D87A-4149-A55C-9A0D2ED8B440 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
9C8495E5-F194-4332-90C4-3AA0131450F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
9C8495E5-F194-4332-90C4-3AA0131450F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
9C8495E5-F194-4332-90C4-3AA0131450F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5E0D1E7-33AF-4A05-BC44-B7478F1C717C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP D D D D Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination due to higher priced loan transaction. 12/XX/18 - status provided; Temporary SHQM 12/XX/18 - review status remains as QM: GSE Temporary - QM/RP; Higher-Priced Covered Transaction. Exception remains. (No Data) Not Applicable Complete
B5E0D1E7-33AF-4A05-BC44-B7478F1C717C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
B5E0D1E7-33AF-4A05-BC44-B7478F1C717C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 12/XX/16, 12/XX/16, and PC CD 11/XX/17 Other Costs Section H: Seller real estate commission and title-seller's owner's title insurance are missing payees. (No Data) (No Data) Hybrid Not Applicable Complete
B5E0D1E7-33AF-4A05-BC44-B7478F1C717C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/RP D D D D Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Zero tolerance of $2010. Cure of $50.00. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $1960 for lender credit fee for zero percent tolerance fees. PC CD 11/XX/17 satisfied the cure of $1960. for lender credit. (No Data) (No Data) Numeric Not Applicable Complete
DBB79AF7-D9F3-4354-BA6D-37924173944A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
A28656FF-1612-489B-8358-D77E99C38D34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Cert. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
639B17CE-478D-4A28-88D3-DC26D4A6F3A5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
5B42CAEA-7552-44AA-ABCB-F90642DF9150 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable C B C B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Cert (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
5B42CAEA-7552-44AA-ABCB-F90642DF9150 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No Settlement agent did not prepare a revised HUD-1 showing the correct charges (No Data) (No Data) (No Data) Not Applicable Complete
5B42CAEA-7552-44AA-ABCB-F90642DF9150 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active C B C B CMPRESPA2838 RESPA-Fee subject to zero tolerance is greater on HUD than on GFE; no evidence of refund in the file No RESPA-Fee subject to XXX tolerance is greater on HUD than on GFE; no evidence of refund in the file (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1166BE6E-EFFA-402D-9405-66E27291F77D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
48C11528-2B09-4056-A788-864B61872AAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Cert. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
48C11528-2B09-4056-A788-864B61872AAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
48C11528-2B09-4056-A788-864B61872AAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
EA0BD212-A3BC-40B5-A364-F4C63C76BB0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable A A A A                               Complete
A3B812CE-48DC-4BB7-B24E-64BDEF3B4FEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI Cert. (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
A3B812CE-48DC-4BB7-B24E-64BDEF3B4FEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is XXX%, the benchmark APR is XXX% resulting in a difference XXX%. This exceeds the HMDA rate spread trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
A3B812CE-48DC-4BB7-B24E-64BDEF3B4FEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to verify timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A3B812CE-48DC-4BB7-B24E-64BDEF3B4FEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Final TIL illegible. Unable to verify data. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3B812CE-48DC-4BB7-B24E-64BDEF3B4FEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Final TIL illegible. Unable to verify data. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A3B812CE-48DC-4BB7-B24E-64BDEF3B4FEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA1686 Regular pmt loan; APR overdisclosed > 0.125% No APR Per TIL XXX%; APR per pay stream XXX%, variance of .XXX % exceeds maximum allowed of .XXX% (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
00F71D0F-91AB-434D-974A-5A9B8CC29185 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing XXX MI Cert. (No Data) MI no longer active per data tape (No Data) Not Applicable Complete
00F71D0F-91AB-434D-974A-5A9B8CC29185 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
00F71D0F-91AB-434D-974A-5A9B8CC29185 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
00F71D0F-91AB-434D-974A-5A9B8CC29185 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
00F71D0F-91AB-434D-974A-5A9B8CC29185 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ACEED4CB-FB11-4445-BD03-85E0529D6FB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA Mortgage Insurance Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
ACEED4CB-FB11-4445-BD03-85E0529D6FB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
ACEED4CB-FB11-4445-BD03-85E0529D6FB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ME (No Data) ATR/QM: Not Applicable C C C C Compliance Repayment Ability Active C C C C CMPSTRA1105 ME Home Loan - Repayment Ability Not Based on Full Documentation Yes Loan is an FHA Streamlined Refinance at Origination; full documentation was not used. (No Data) (No Data) (No Data) Not Applicable Complete
10B0CE96-1EB8-4F74-9E75-344611DF4876 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No The final TIL APR is 7.0416%, the actual calculated APR is 7.6834%, which results in a difference of .6418% exceeding max threshold of .125%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
10B0CE96-1EB8-4F74-9E75-344611DF4876 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.683% with HMDA Benchmark Rate of 4.530% causing variance of 3.153% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
10B0CE96-1EB8-4F74-9E75-344611DF4876 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
92FBF613-E69E-423A-B2F7-B4C2743B8703 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA Mortgage Insurance Certificate. (No Data) MI no longer active per data tape. (No Data) Not Applicable Complete
C90E99B8-1C38-4DA5-A520-7C56B8D5683F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
8E3D74E9-9DE6-4284-B0FF-E01DC7BA2D16 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title report, commitment and/or policy. (No Data) (No Data) (No Data) Not Applicable Complete
8E3D74E9-9DE6-4284-B0FF-E01DC7BA2D16 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC869 Mortgage not signed Yes Mortgage is not signed by borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
8E3D74E9-9DE6-4284-B0FF-E01DC7BA2D16 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.256%, the benchmark APR is 5.430% which results in a difference of 3.826% which exceeds the maximum allowed of 3.5%. (No Data) (No Data) (No Data) Not Applicable Complete
8E3D74E9-9DE6-4284-B0FF-E01DC7BA2D16 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR midnight of date is 5/XX/10; disbursement date per file 4/XX/10. Borrower did not receive full mandatory rescission period (No Data) (No Data) (No Data) Not Applicable Complete
8E3D74E9-9DE6-4284-B0FF-E01DC7BA2D16 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 5/XX/10; disbursement date per file 4/XX/10. Borrower did not receive full mandatory rescission period (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA299069-07AD-43E4-B045-02DEC4B31E81 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
7760DA4B-153D-4B90-AF5A-06EED473CE33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor QM: Safe Harbor C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination due to missing corrected AUS with the correct gift amount. 12/XX/18 - Disagree, provided DU showing correct gift. 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
7760DA4B-153D-4B90-AF5A-06EED473CE33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor QM: Safe Harbor C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing corrected AUS with the correct gift amount. 12/XX/18 - status provided; Temporary SHQM. Disagree, provided DU showing correct gift. 12/XX/18 - Satisfied. (No Data) Not Applicable Complete
7760DA4B-153D-4B90-AF5A-06EED473CE33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor QM: Safe Harbor C B C B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI cert. (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
7760DA4B-153D-4B90-AF5A-06EED473CE33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor QM: Safe Harbor C B C B Compliance RESPA Active B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Actual List of homeowners counseling organizations is missing. (No Data) (No Data) (No Data) Not Applicable Complete
7760DA4B-153D-4B90-AF5A-06EED473CE33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Missing evidence of change of circumstance letter or a copy of a refundable check in the amount of $197.30 for credit report and inspection fees for zero percent tolerance fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A6FCC26E-5DC5-4FF9-8097-9C5F68E0EA34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
A6FCC26E-5DC5-4FF9-8097-9C5F68E0EA34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Missing individual loan originators middle name per NMLS verification. (No Data) (No Data) (No Data) Not Applicable Complete
C063ABC0-318F-4ABC-9F5C-C96C104B6335 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: 05/XX/2017-1 Summaries of Transactions, Sale Price of Property minus Loan Amount is: ($13,988.00) does not match Calculating Cash to Close, Down Payment/Funds from Borrower -$13559.00Conventional Loan (No Data) (No Data) Numeric Not Applicable Complete
C063ABC0-318F-4ABC-9F5C-C96C104B6335 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: 05/XX/2017-1 Summaries of Transactions, Adjustments and Other Credits Calculation is $21,194.15 does not match Calculating Cash to Close, Adjustments and Other Credits $20765.15 (No Data) (No Data) Numeric Not Applicable Complete
C063ABC0-318F-4ABC-9F5C-C96C104B6335 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD's Calculating Cash to Close table does not match the LE's Calculating Cash to Close table (No Data) (No Data) Non-Numeric Not Applicable Complete
9A9487BC-98E3-4FC5-BC30-DD17BB967D86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination due to missing documentation to support increased DTI to 54.90%. (No Data) (No Data) (No Data) Not Applicable Complete
9A9487BC-98E3-4FC5-BC30-DD17BB967D86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing documentation to support increased DTI to 54.90%. (No Data) (No Data) (No Data) Not Applicable Complete
9A9487BC-98E3-4FC5-BC30-DD17BB967D86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No NMLS verification includes suffix III after Loan Originators last name. Documentation in file does not include suffix. (No Data) (No Data) (No Data) Not Applicable Complete
9A9487BC-98E3-4FC5-BC30-DD17BB967D86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA2706 RESPA - Cannot determine if List of Homeowners Counseling Organizations is compliant No Disclosure tracking states Homeowners Counseling Organizations Disclosure delivered on 6/XX/2017, however copy of Homeowners Counseling List is not in file. (No Data) (No Data) (No Data) Not Applicable Complete
9A9487BC-98E3-4FC5-BC30-DD17BB967D86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need evidence that borrower acknowledged receipt of CD 3 days prior to consummation. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F81A5D95-4FBF-48C1-AB92-D32D256575BD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR per Final TIL is XXX% with a benchmark rate of XXX% which results in a variance of XXX% which exceeds HMDA threshold of 3.0% (No Data) (No Data) (No Data) Not Applicable Complete
F81A5D95-4FBF-48C1-AB92-D32D256575BD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure in file dated at closing XXX (No Data) (No Data) (No Data) Not Applicable Complete
F81A5D95-4FBF-48C1-AB92-D32D256575BD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated XXX more than XXX days after application dated XXX (No Data) (No Data) (No Data) Not Applicable Complete
F1603518-3914-4F33-B663-DF89680D1234 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F1603518-3914-4F33-B663-DF89680D1234 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F1603518-3914-4F33-B663-DF89680D1234 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
F1603518-3914-4F33-B663-DF89680D1234 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
95D4198D-F413-4476-9300-3DE1F8586F7E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No XXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan subject to ATR/QM rule; Per Lender borrower was delinquent prior to insuring - Unable to determine if bwr was delinquent due to lack of documentation in file (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
95D4198D-F413-4476-9300-3DE1F8586F7E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing affiliated Business disclosure (No Data) (No Data) (No Data) (No Data) Complete
95D4198D-F413-4476-9300-3DE1F8586F7E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors B B B B Compliance State Rate Spread Active B B B B CMPSRS2051 CA Higher-Priced Loan No Per Mavent the loans XXX APR exceeds HUD rate threshold ofXXX for FHA Loan, which is comparable average prime offer rate of XXX plus XXX plus the annual MIP of XXX. (No Data) (No Data) (No Data) (No Data) Complete
1E7F616F-2055-4634-BDE4-D4925ECB610F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI CERT (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
1E7F616F-2055-4634-BDE4-D4925ECB610F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Final CD 03/XX/2018 formatting, Summaries of transactions, L:15 missing payment dates. (No Data) (No Data) Hybrid Not Applicable Complete
1E7F616F-2055-4634-BDE4-D4925ECB610F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE 02/XX/2018 formatting, missing state in NMLS sectionCorrected by CD 03/XX/2018Exception satisfied (No Data) (No Data) (No Data) Not Applicable Complete
9E9DB5F8-C852-4C9D-98CD-E647F657142E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
1DAE2CC0-C82C-4B7E-A126-57599D8873CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Incorrect disclosures used, TIL vs CD (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1DAE2CC0-C82C-4B7E-A126-57599D8873CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliated Business disclosure (No Data) (No Data) (No Data) Not Applicable Complete
1DAE2CC0-C82C-4B7E-A126-57599D8873CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH D D D D Compliance TILA/RESPA Integrated Disclosure Active D D D D CMPTRID3466 TRID - GFE, TIL and HUD used on loan subject to the Integrated Disclosure rules Yes Loan Application date is 11/XX/15, TRID disclosures required as of 10/XX/15, GFE, TIL used vs LE, CD required docs (No Data) (No Data) (No Data) Not Applicable Complete
1723A883-9A53-4AF1-9AFE-5FE1968668E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Per Final TIL, APR Lender Stream does not break down the monthly payment disclosing P&I and decreasing MI payments to accurately calculate the total amount of payments. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
82049D4F-4C53-45DE-9AEC-BDDF7F885476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
82049D4F-4C53-45DE-9AEC-BDDF7F885476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
82049D4F-4C53-45DE-9AEC-BDDF7F885476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.004%, HMDA Benchmark Rate 2.370%, HMDA Benchmark/APR Variance 7.634%, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
82049D4F-4C53-45DE-9AEC-BDDF7F885476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
82049D4F-4C53-45DE-9AEC-BDDF7F885476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No (No Data) (No Data) (No Data) (No Data) (No Data) Complete
82049D4F-4C53-45DE-9AEC-BDDF7F885476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active N/A B N/A B CMPRESPA845 RESPA - GFE given after 3 days from application No (No Data) (No Data) (No Data) (No Data) (No Data) Complete
82049D4F-4C53-45DE-9AEC-BDDF7F885476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Cannot determine if funding date is after rescission period, missing disbursement date. (No Data) (No Data) (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP1663 TILA - Early TIL not delivered within 3 business days of application No Application date of 12/XX/2010, TIL in file Dated 12/XX/2010. Lender TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.025% with HMDA Benchmark Rate of 3.110% causing variance of 3.915% which exceeds HMDA Rate spread Trigger of 1.500. (No Data) (No Data) (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 12/XX/2010, ARM in file Dated 12/XX/2010. Lender ARM disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Higher-Priced Active N/A B N/A B CMPFDHP2083 Section 35 loan, current obligations not verfiied. No Loan is HPML, missing credit report at time of origination. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 12/XX/2010, GFE in file Dated 12/XX/2010. Lender TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA871 Adjusted Origination Charge does not equal Origination charge +/- credit/charge No Adjusted Hud Origination Charge 119.72, GFE 125.does not equal Origination charge. (No Data) (No Data) (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of 1/XX/2011 same as rescission end date. (No Data) (No Data) (No Data) Not Applicable Complete
4D0D00C8-9644-473D-8DFC-9B2FA7832A54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of 1/XX/2011 same day of rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.556% with HMDA Benchmark Rate 5.190% causing HMDA Benchmark/APR Variance 5.366% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement, unable to capture fees. (No Data) (No Data) (No Data) Not Applicable Complete
1FB8D1AE-8380-45CB-9A18-B2D590E04CD5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXX - HMDA Benchmark Rate XXX = HMDA Benchmark/APR Variance XXX which exceeds the max HMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing initial ARM Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Due to missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1; No GFE or Est HUD1 in file unable to capture fees for testing. (No Data) (No Data) (No Data) Not Applicable Complete
1C009E4E-90DF-409F-BBE1-D20C78F2B790 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
763FAE01-BCFC-4CC6-9A14-B1F9DD595D7C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.176% with HMDA Benchmark Rate 4.760% causing HMDA Benchmark/APR Variance 6.416% which exceeds HMDA Rate Spread Trigger 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
763FAE01-BCFC-4CC6-9A14-B1F9DD595D7C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
763FAE01-BCFC-4CC6-9A14-B1F9DD595D7C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No Prepayment penalty prohibited by state -PPP is Expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AD671791-9705-45BC-AEC4-5864946CDB8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD 10/XX/2017 and 10/XX/2017 formatting, Other costs, E:01 missing break down of recording fees. (No Data) (No Data) Hybrid Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Term 360 HMDA Benchmark Date 11/XX/2006 Test APR 10.191 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 5.501 HMDA Rate Spread Trigger 3.000 Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
F58DE4C5-C3AA-4271-B13C-EEF43276A390 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1127 Late Charge percentage exceeds regulatory limits No Late Charge percentage exceeds regulatory limits. (No Data) (No Data) (No Data) Not Applicable Complete
FB845C62-33A7-4CBA-AADD-2A4A966CFD2D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.523% with HMDA Benchmark Rate of 4.930% causing variance of 3.593% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
FB845C62-33A7-4CBA-AADD-2A4A966CFD2D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application dated 3/XX/2005, disclosure dated 4/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
FB845C62-33A7-4CBA-AADD-2A4A966CFD2D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2A414A97-0C8C-4F7A-8346-07A9A9F99CBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
7B50BFB2-DEB7-404D-94B4-280BFC82331A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7B50BFB2-DEB7-404D-94B4-280BFC82331A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
7B50BFB2-DEB7-404D-94B4-280BFC82331A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6639DDD3-C4D9-4B61-A952-DB567C53F47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6639DDD3-C4D9-4B61-A952-DB567C53F47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1797 Missing Lender's Application Date Yes Missing Lender's Application. (No Data) (No Data) (No Data) Not Applicable Complete
446B319D-9261-4302-A0BB-ED8E7D573576 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
446B319D-9261-4302-A0BB-ED8E7D573576 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
446B319D-9261-4302-A0BB-ED8E7D573576 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
446B319D-9261-4302-A0BB-ED8E7D573576 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C20452F2-86C3-4C9A-A9C2-C05A366B5063 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C20452F2-86C3-4C9A-A9C2-C05A366B5063 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C20452F2-86C3-4C9A-A9C2-C05A366B5063 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. Lender's payment stream is $XXX for 119 months plus one final payment of $XXX. XXX calculated payment stream is $XXX for 119 months plus one final payment of $XXX for a variance of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C20452F2-86C3-4C9A-A9C2-C05A366B5063 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
C20452F2-86C3-4C9A-A9C2-C05A366B5063 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 03/XX/2004 is prior to end of earliest rescission date allowable of 03/XX/2004. Disbursement date per Note is 3/XX/2004, but the Mortgage was signed/notarized on 3/XX/2004. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C20452F2-86C3-4C9A-A9C2-C05A366B5063 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 03/XX/2004; disbursement date per Note is 03/XX/2004. However, the Mortgage was signed/notarized on 3/XX/2004. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
472D734A-BF49-4F80-8E9F-E364DCF4E56D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
472D734A-BF49-4F80-8E9F-E364DCF4E56D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
472D734A-BF49-4F80-8E9F-E364DCF4E56D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
472D734A-BF49-4F80-8E9F-E364DCF4E56D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
472D734A-BF49-4F80-8E9F-E364DCF4E56D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
11EDC2BC-921D-4A47-99E6-D299E54E7445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
11EDC2BC-921D-4A47-99E6-D299E54E7445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
11EDC2BC-921D-4A47-99E6-D299E54E7445 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
CD561CFE-FF16-4D26-BF7E-461245C3DDB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CD561CFE-FF16-4D26-BF7E-461245C3DDB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CD561CFE-FF16-4D26-BF7E-461245C3DDB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Payment subject to late charge (No Data) (No Data) (No Data) Not Applicable Complete
CD561CFE-FF16-4D26-BF7E-461245C3DDB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
CD561CFE-FF16-4D26-BF7E-461245C3DDB2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
903E21B2-E33A-4308-9A2B-966EAD485260 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
903E21B2-E33A-4308-9A2B-966EAD485260 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
903E21B2-E33A-4308-9A2B-966EAD485260 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
903E21B2-E33A-4308-9A2B-966EAD485260 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2B6F0FA7-E0C0-4A1F-BBF0-2F73D9521AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC101 Unresolved title issue Yes Final Title Policy dated 6/XX/2004 for $XXX shows an Additional Lien of $XXX on 5/XX/2002 as Instrument #XXX. The Title Search shows "Release Copy in file." However, the Release Deed on file is for Instrument #XXX, which according to the Title Search, belongs to a 7/XX/2001 Mortgage for $XXX. There is no release located for the $XXX mortgage (although the Credit Line Agreement in file shows "paid" on 5/XX/2003). But this mortgage is still showing on the Final Title. (No Data) (No Data) (No Data) Not Applicable Complete
2B6F0FA7-E0C0-4A1F-BBF0-2F73D9521AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2B6F0FA7-E0C0-4A1F-BBF0-2F73D9521AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2B6F0FA7-E0C0-4A1F-BBF0-2F73D9521AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
2B6F0FA7-E0C0-4A1F-BBF0-2F73D9521AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
2B6F0FA7-E0C0-4A1F-BBF0-2F73D9521AF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E94A996D-0F35-49D3-88DE-D4DBB23E6664 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E94A996D-0F35-49D3-88DE-D4DBB23E6664 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
E94A996D-0F35-49D3-88DE-D4DBB23E6664 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E94A996D-0F35-49D3-88DE-D4DBB23E6664 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
E94A996D-0F35-49D3-88DE-D4DBB23E6664 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FC7F2482-0812-4ABC-8E41-446429812F84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FC7F2482-0812-4ABC-8E41-446429812F84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
FC7F2482-0812-4ABC-8E41-446429812F84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. Lender's payment stream is $XXX for 119 months plus one final payment of $XXX. XXX calculated payment stream is $XXX for 119 months plus one final payment of $XXX for a variance of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FC7F2482-0812-4ABC-8E41-446429812F84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
85D0FB15-4468-4A2F-A38C-F627A7267427 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
85D0FB15-4468-4A2F-A38C-F627A7267427 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
85D0FB15-4468-4A2F-A38C-F627A7267427 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
39DA7690-5CCB-4406-A004-5006CA7C68E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39DA7690-5CCB-4406-A004-5006CA7C68E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
39DA7690-5CCB-4406-A004-5006CA7C68E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR Expiration date of 08/XX/2004 is prior to end of rescission date of 08/XX/2004. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39DA7690-5CCB-4406-A004-5006CA7C68E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
39DA7690-5CCB-4406-A004-5006CA7C68E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9454BC0A-674D-4D1F-9DC5-A927593EC47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9454BC0A-674D-4D1F-9DC5-A927593EC47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
9454BC0A-674D-4D1F-9DC5-A927593EC47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Initial note P&I is not stated; unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
9454BC0A-674D-4D1F-9DC5-A927593EC47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
9454BC0A-674D-4D1F-9DC5-A927593EC47D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8DC27597-F91E-406B-8804-26BBA047B4F5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8DC27597-F91E-406B-8804-26BBA047B4F5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
8DC27597-F91E-406B-8804-26BBA047B4F5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP expired. (No Data) (No Data) (No Data) Not Applicable Complete
8DC27597-F91E-406B-8804-26BBA047B4F5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB6A3A63-66BA-4B62-A50C-F879BF24EB49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB6A3A63-66BA-4B62-A50C-F879BF24EB49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
AB6A3A63-66BA-4B62-A50C-F879BF24EB49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 10/XX/2004 is prior to end of earliest rescission date allowable of 10/XX/2004. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB6A3A63-66BA-4B62-A50C-F879BF24EB49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
AB6A3A63-66BA-4B62-A50C-F879BF24EB49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FFC98842-F15E-474C-B12B-EDCFC79A9B5F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FFC98842-F15E-474C-B12B-EDCFC79A9B5F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FFC98842-F15E-474C-B12B-EDCFC79A9B5F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
FFC98842-F15E-474C-B12B-EDCFC79A9B5F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
29E2E82A-C168-438E-B0F8-E4ADFAFA542A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
29E2E82A-C168-438E-B0F8-E4ADFAFA542A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
29E2E82A-C168-438E-B0F8-E4ADFAFA542A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
46255F05-1397-4DC9-BAB2-8EF883826667 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
46255F05-1397-4DC9-BAB2-8EF883826667 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
46255F05-1397-4DC9-BAB2-8EF883826667 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
46255F05-1397-4DC9-BAB2-8EF883826667 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
71442233-5784-41C8-A297-45C29D29FCD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
71442233-5784-41C8-A297-45C29D29FCD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 12/XX/2004 is prior to end of earliest rescission date allowable of 12/XX/2004. Note & Mortgage are dated 11/XX/2004; however were not signed & notarized until 12/XX/2004. Disbursement date per review was 12/XX/2004. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71442233-5784-41C8-A297-45C29D29FCD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
71442233-5784-41C8-A297-45C29D29FCD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
71442233-5784-41C8-A297-45C29D29FCD1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
96B43AA0-90A9-4C16-8D8E-2B0211B6EA34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
96B43AA0-90A9-4C16-8D8E-2B0211B6EA34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
96B43AA0-90A9-4C16-8D8E-2B0211B6EA34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
96B43AA0-90A9-4C16-8D8E-2B0211B6EA34 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F5AE20FC-041D-4963-97DF-B3078A052642 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F5AE20FC-041D-4963-97DF-B3078A052642 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3276 Title document in file is incomplete Yes Missing cover page for Short Form Final Title. (No Data) (No Data) (No Data) Not Applicable Complete
F5AE20FC-041D-4963-97DF-B3078A052642 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
F5AE20FC-041D-4963-97DF-B3078A052642 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
F5AE20FC-041D-4963-97DF-B3078A052642 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4BCED503-2918-41E8-8F2C-7478158BCC0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4BCED503-2918-41E8-8F2C-7478158BCC0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4BCED503-2918-41E8-8F2C-7478158BCC0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4BCED503-2918-41E8-8F2C-7478158BCC0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
4BCED503-2918-41E8-8F2C-7478158BCC0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C70637F4-08DD-4FEA-B897-E9C69EFAD0B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C70637F4-08DD-4FEA-B897-E9C69EFAD0B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C70637F4-08DD-4FEA-B897-E9C69EFAD0B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
C70637F4-08DD-4FEA-B897-E9C69EFAD0B7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
13575E6F-A947-4F25-8AA3-8830685AAF1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
13575E6F-A947-4F25-8AA3-8830685AAF1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
13575E6F-A947-4F25-8AA3-8830685AAF1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
13575E6F-A947-4F25-8AA3-8830685AAF1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
13575E6F-A947-4F25-8AA3-8830685AAF1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No missing FinalHUD (No Data) (No Data) (No Data) Not Applicable Complete
13575E6F-A947-4F25-8AA3-8830685AAF1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR- Expiration date of 03/XX/2005 prior to required rescission expiration date 03/XX/2005 based on transaction date of 03/XX/2005 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4E776832-AE33-4084-8EA7-6D2FEA029B8A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4E776832-AE33-4084-8EA7-6D2FEA029B8A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
4E776832-AE33-4084-8EA7-6D2FEA029B8A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
4E776832-AE33-4084-8EA7-6D2FEA029B8A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F1118675-0CC3-4421-8C6E-AB6BDB35ED46 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F1118675-0CC3-4421-8C6E-AB6BDB35ED46 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F1118675-0CC3-4421-8C6E-AB6BDB35ED46 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ED476FD7-90F7-4188-B39C-5C149DE99040 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ED476FD7-90F7-4188-B39C-5C149DE99040 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
ED476FD7-90F7-4188-B39C-5C149DE99040 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR Expiration date of 05/XX/2005 prior to end of rescission date of 05/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ED476FD7-90F7-4188-B39C-5C149DE99040 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
ED476FD7-90F7-4188-B39C-5C149DE99040 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
82FB7DF3-56A5-41A6-A570-428049ED4913 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
82FB7DF3-56A5-41A6-A570-428049ED4913 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
82FB7DF3-56A5-41A6-A570-428049ED4913 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
82FB7DF3-56A5-41A6-A570-428049ED4913 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0BB9FE61-416F-4CCA-B39F-3EF03105225C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Initial and Final Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0BB9FE61-416F-4CCA-B39F-3EF03105225C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0BB9FE61-416F-4CCA-B39F-3EF03105225C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No PPP - State law prohibits PPP if paid by insurance proceeds. PPP in file is HARD. PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
0BB9FE61-416F-4CCA-B39F-3EF03105225C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A13DE02D-3C5F-4DED-891D-A63D73217C54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A13DE02D-3C5F-4DED-891D-A63D73217C54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
A13DE02D-3C5F-4DED-891D-A63D73217C54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
71AB77FE-DB8C-4A0D-A370-5CB4321A33BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71AB77FE-DB8C-4A0D-A370-5CB4321A33BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
71AB77FE-DB8C-4A0D-A370-5CB4321A33BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date of 07/XX/2005 is prior to end of rescission date of 07/XX/2005 due to Mortgage Notary date of 07/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
71AB77FE-DB8C-4A0D-A370-5CB4321A33BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
71AB77FE-DB8C-4A0D-A370-5CB4321A33BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
895DCAE6-94F2-4A29-80F4-BD2D5D1CEF49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
895DCAE6-94F2-4A29-80F4-BD2D5D1CEF49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
895DCAE6-94F2-4A29-80F4-BD2D5D1CEF49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
895DCAE6-94F2-4A29-80F4-BD2D5D1CEF49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5DFDD46D-7B12-45FA-A2EB-0624E6D2F21A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5DFDD46D-7B12-45FA-A2EB-0624E6D2F21A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No 8/XX/05 expiration date on form prior to 8/XX/05 end of rescission period. Mortgage Notary date is 08/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5DFDD46D-7B12-45FA-A2EB-0624E6D2F21A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C4E8EC9F-138E-4F16-BF52-FD278C89EE84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C4E8EC9F-138E-4F16-BF52-FD278C89EE84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC869 Mortgage not signed Yes The Mortgage is not signed by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
C4E8EC9F-138E-4F16-BF52-FD278C89EE84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Early HELOC Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C4E8EC9F-138E-4F16-BF52-FD278C89EE84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
C4E8EC9F-138E-4F16-BF52-FD278C89EE84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Early HELOC Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A4C943CF-C0EB-4A4F-ADE4-63EAE945EE5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A4C943CF-C0EB-4A4F-ADE4-63EAE945EE5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
A4C943CF-C0EB-4A4F-ADE4-63EAE945EE5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX due to payment stream. Lender's payment stream is $XXX for 119 months plus one final payment of $XXX. XXX calculated payment stream is $XXX for 119 months plus one final payment of $XXX for a variance of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A4C943CF-C0EB-4A4F-ADE4-63EAE945EE5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
A668B843-1FD3-4CC4-AC65-A29D28FE07E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A668B843-1FD3-4CC4-AC65-A29D28FE07E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A668B843-1FD3-4CC4-AC65-A29D28FE07E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
A668B843-1FD3-4CC4-AC65-A29D28FE07E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2D6F388E-7C21-40B7-BD1A-97122386E3E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2D6F388E-7C21-40B7-BD1A-97122386E3E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
2D6F388E-7C21-40B7-BD1A-97122386E3E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
2D6F388E-7C21-40B7-BD1A-97122386E3E1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4BAA96B1-8C53-41DA-AA15-9DDF805AC203 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Initial and Final Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4BAA96B1-8C53-41DA-AA15-9DDF805AC203 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4BAA96B1-8C53-41DA-AA15-9DDF805AC203 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP per Note is Hard. PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
4BAA96B1-8C53-41DA-AA15-9DDF805AC203 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5BCE6704-27D0-4740-AA2A-6DA6423B1156 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5BCE6704-27D0-4740-AA2A-6DA6423B1156 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing title. (No Data) (No Data) (No Data) Not Applicable Complete
5BCE6704-27D0-4740-AA2A-6DA6423B1156 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
5BCE6704-27D0-4740-AA2A-6DA6423B1156 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5BCE6704-27D0-4740-AA2A-6DA6423B1156 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
5BCE6704-27D0-4740-AA2A-6DA6423B1156 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D71F252D-61CF-48CC-ABA6-F7DEA2DA476E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D71F252D-61CF-48CC-ABA6-F7DEA2DA476E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
D71F252D-61CF-48CC-ABA6-F7DEA2DA476E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D71F252D-61CF-48CC-ABA6-F7DEA2DA476E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
D71F252D-61CF-48CC-ABA6-F7DEA2DA476E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5CA90AC-7EA5-46D7-B02E-AA6F51AD54AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5CA90AC-7EA5-46D7-B02E-AA6F51AD54AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds. PPP is expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5CA90AC-7EA5-46D7-B02E-AA6F51AD54AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6BB786E0-8386-4D1B-B011-E07973D5EAC9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6BB786E0-8386-4D1B-B011-E07973D5EAC9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
6BB786E0-8386-4D1B-B011-E07973D5EAC9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
57876807-3C48-4D43-BDB2-5A04E93745C6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
57876807-3C48-4D43-BDB2-5A04E93745C6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
57876807-3C48-4D43-BDB2-5A04E93745C6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
FA8552D4-7DF8-454C-B6A2-0E32C914886C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FA8552D4-7DF8-454C-B6A2-0E32C914886C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
01CC3283-C1EF-4312-A2F4-474316A253DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
01CC3283-C1EF-4312-A2F4-474316A253DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
01CC3283-C1EF-4312-A2F4-474316A253DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
01CC3283-C1EF-4312-A2F4-474316A253DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
559FD759-95ED-406D-BC1D-62013CE84895 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
559FD759-95ED-406D-BC1D-62013CE84895 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
559FD759-95ED-406D-BC1D-62013CE84895 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
559FD759-95ED-406D-BC1D-62013CE84895 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B64D14B9-D427-499C-9CC3-F87C966DD765 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8CE3E6B3-ED9F-41CC-A92A-2D74C27EE972 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8CE3E6B3-ED9F-41CC-A92A-2D74C27EE972 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
8CE3E6B3-ED9F-41CC-A92A-2D74C27EE972 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
8CE3E6B3-ED9F-41CC-A92A-2D74C27EE972 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3991E4F6-4C53-4688-B723-E1C4CEF8EC59 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3991E4F6-4C53-4688-B723-E1C4CEF8EC59 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
3991E4F6-4C53-4688-B723-E1C4CEF8EC59 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
3991E4F6-4C53-4688-B723-E1C4CEF8EC59 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F9892A09-DC90-46DE-9CCB-F3B510BD19AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F9892A09-DC90-46DE-9CCB-F3B510BD19AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
F9892A09-DC90-46DE-9CCB-F3B510BD19AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
F9892A09-DC90-46DE-9CCB-F3B510BD19AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4C9BF670-61CA-4E6F-8097-E1DC8401B0C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4C9BF670-61CA-4E6F-8097-E1DC8401B0C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
4C9BF670-61CA-4E6F-8097-E1DC8401B0C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
4C9BF670-61CA-4E6F-8097-E1DC8401B0C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FE7CD7BD-3E08-4C90-B841-6F9FC19BB915 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FE7CD7BD-3E08-4C90-B841-6F9FC19BB915 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
FE7CD7BD-3E08-4C90-B841-6F9FC19BB915 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR - Expiration date on form 7/XX/2006 prior to end of rescission period 7/XX/2006. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FE7CD7BD-3E08-4C90-B841-6F9FC19BB915 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
FE7CD7BD-3E08-4C90-B841-6F9FC19BB915 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DCA3B243-424A-4683-B67D-283CE8B10AC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DCA3B243-424A-4683-B67D-283CE8B10AC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
DCA3B243-424A-4683-B67D-283CE8B10AC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
DCA3B243-424A-4683-B67D-283CE8B10AC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
DCA3B243-424A-4683-B67D-283CE8B10AC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
01F03F52-1C8C-4904-BD7B-0DCF283E9EF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
9BAF293C-20AE-4393-B027-280421D323F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9BAF293C-20AE-4393-B027-280421D323F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
9BAF293C-20AE-4393-B027-280421D323F3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
45B35C79-7FE5-49DF-9D15-F67706ACA4CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Compliance Manual Active N/A D N/A D CMPMAN2478 Missing Legal Documentation Yes Loan has Matured dated 4/XX/2019. No evidence in file that Maturity Date has been extended. (No Data) (No Data) (No Data) Not Applicable Complete
45B35C79-7FE5-49DF-9D15-F67706ACA4CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
45B35C79-7FE5-49DF-9D15-F67706ACA4CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
45B35C79-7FE5-49DF-9D15-F67706ACA4CE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
5EE8D073-89FE-46C7-954D-A87EE98F68F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5EE8D073-89FE-46C7-954D-A87EE98F68F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR - Expiration date on form 9/XX/2006 prior to end of rescission period 9/XX/2006.Transaction date is 9/XX per notary date, ROR date received 9/XX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5EE8D073-89FE-46C7-954D-A87EE98F68F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
5EE8D073-89FE-46C7-954D-A87EE98F68F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0FA8E1D6-8788-4314-A473-40805FF9116D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0FA8E1D6-8788-4314-A473-40805FF9116D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0FA8E1D6-8788-4314-A473-40805FF9116D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
E4D60566-7335-4A2D-8D1E-53F771D622A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E4D60566-7335-4A2D-8D1E-53F771D622A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E4D60566-7335-4A2D-8D1E-53F771D622A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E4D60566-7335-4A2D-8D1E-53F771D622A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA199970-8A21-45CB-9103-9FAAFEC58FDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
AA199970-8A21-45CB-9103-9FAAFEC58FDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
AA199970-8A21-45CB-9103-9FAAFEC58FDA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8A2E11A1-ACFA-440A-94DB-CC24EB29F827 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8A2E11A1-ACFA-440A-94DB-CC24EB29F827 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
8A2E11A1-ACFA-440A-94DB-CC24EB29F827 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
8A2E11A1-ACFA-440A-94DB-CC24EB29F827 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
196F32BF-65BB-4374-9CF9-F5492D5604D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
196F32BF-65BB-4374-9CF9-F5492D5604D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
196F32BF-65BB-4374-9CF9-F5492D5604D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.113% with HMDA Benchmark Rate of 4.610% causing variance of 4.503% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
196F32BF-65BB-4374-9CF9-F5492D5604D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
196F32BF-65BB-4374-9CF9-F5492D5604D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
196F32BF-65BB-4374-9CF9-F5492D5604D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
780AE43A-A7B9-4A47-A614-0D4A063BE6A0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
780AE43A-A7B9-4A47-A614-0D4A063BE6A0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
780AE43A-A7B9-4A47-A614-0D4A063BE6A0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
780AE43A-A7B9-4A47-A614-0D4A063BE6A0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
24C1865F-D229-4B87-BEE8-54CC7965BEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
24C1865F-D229-4B87-BEE8-54CC7965BEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
24C1865F-D229-4B87-BEE8-54CC7965BEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
24C1865F-D229-4B87-BEE8-54CC7965BEC8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE72EF9A-8543-4BC0-964C-DAE1829A397F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AE72EF9A-8543-4BC0-964C-DAE1829A397F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
AE72EF9A-8543-4BC0-964C-DAE1829A397F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
AE72EF9A-8543-4BC0-964C-DAE1829A397F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3F17CF54-E642-40CD-95EA-5EA3DE4C00BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3F17CF54-E642-40CD-95EA-5EA3DE4C00BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
3F17CF54-E642-40CD-95EA-5EA3DE4C00BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
3F17CF54-E642-40CD-95EA-5EA3DE4C00BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
232E681F-F663-4C3E-9CA2-C37894A7292D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
232E681F-F663-4C3E-9CA2-C37894A7292D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Heloc Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
232E681F-F663-4C3E-9CA2-C37894A7292D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
232E681F-F663-4C3E-9CA2-C37894A7292D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing Heloc Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
58B9259D-9399-410A-A694-8E26D527B075 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
58B9259D-9399-410A-A694-8E26D527B075 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
58B9259D-9399-410A-A694-8E26D527B075 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
A5C11CCF-31CF-479C-896F-7A8CA4D89912 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A5C11CCF-31CF-479C-896F-7A8CA4D89912 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A5C11CCF-31CF-479C-896F-7A8CA4D89912 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A5C11CCF-31CF-479C-896F-7A8CA4D89912 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP is Expired (No Data) (No Data) (No Data) Not Applicable Complete
A5C11CCF-31CF-479C-896F-7A8CA4D89912 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
64057F39-5D5D-4383-BDD7-104A7582CCFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
64057F39-5D5D-4383-BDD7-104A7582CCFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
64057F39-5D5D-4383-BDD7-104A7582CCFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
64057F39-5D5D-4383-BDD7-104A7582CCFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
402E9A5A-3BAC-479F-ADE2-E35AA09C0DE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
402E9A5A-3BAC-479F-ADE2-E35AA09C0DE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
402E9A5A-3BAC-479F-ADE2-E35AA09C0DE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
402E9A5A-3BAC-479F-ADE2-E35AA09C0DE3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
599E7E25-7701-4439-83C8-C12367D91434 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
599E7E25-7701-4439-83C8-C12367D91434 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
599E7E25-7701-4439-83C8-C12367D91434 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
599E7E25-7701-4439-83C8-C12367D91434 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
5891760A-6C07-4DE1-94B8-730FDA713C79 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5891760A-6C07-4DE1-94B8-730FDA713C79 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing copy of Final HUD. Fees captured from HUD in file that is not signed or stamped. (No Data) (No Data) (No Data) Not Applicable Complete
5891760A-6C07-4DE1-94B8-730FDA713C79 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
5891760A-6C07-4DE1-94B8-730FDA713C79 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
5891760A-6C07-4DE1-94B8-730FDA713C79 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
F7DCFB02-229A-47B6-9DCA-1D6BE33F88E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F7DCFB02-229A-47B6-9DCA-1D6BE33F88E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No HELOC Early Disclosure Missing. (No Data) (No Data) (No Data) Not Applicable Complete
F7DCFB02-229A-47B6-9DCA-1D6BE33F88E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
F7DCFB02-229A-47B6-9DCA-1D6BE33F88E7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C45EDDA5-75F0-44E8-85AB-BE91773D6B95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C45EDDA5-75F0-44E8-85AB-BE91773D6B95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
C45EDDA5-75F0-44E8-85AB-BE91773D6B95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
C45EDDA5-75F0-44E8-85AB-BE91773D6B95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
871A2FA9-A035-484A-8A95-2654151B6B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
871A2FA9-A035-484A-8A95-2654151B6B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
871A2FA9-A035-484A-8A95-2654151B6B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
32A56FAB-37B8-48CE-A42F-02EC6B2761B3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
32A56FAB-37B8-48CE-A42F-02EC6B2761B3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
32A56FAB-37B8-48CE-A42F-02EC6B2761B3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing copy of GFE (No Data) (No Data) (No Data) Not Applicable Complete
316E102B-49DC-41C1-B492-0B27B5EC5CA2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
316E102B-49DC-41C1-B492-0B27B5EC5CA2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
316E102B-49DC-41C1-B492-0B27B5EC5CA2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP term has expired. (No Data) (No Data) (No Data) Not Applicable Complete
316E102B-49DC-41C1-B492-0B27B5EC5CA2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
803865F4-56B3-4F2B-A9C1-AEE674F58A3D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
803865F4-56B3-4F2B-A9C1-AEE674F58A3D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
803865F4-56B3-4F2B-A9C1-AEE674F58A3D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No GFE Not in File (No Data) (No Data) (No Data) Not Applicable Complete
BD830D8C-1A20-496A-B705-355E62BF2F68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BD830D8C-1A20-496A-B705-355E62BF2F68 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP Expired. (No Data) (No Data) (No Data) Not Applicable Complete
1B265E44-1EAC-4F0F-A067-2AC90BDA48FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B265E44-1EAC-4F0F-A067-2AC90BDA48FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charges understated $XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B265E44-1EAC-4F0F-A067-2AC90BDA48FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Consumer Protection Active C C C C CMPSTCP1249 IL SB 1167 Alternative Loan without PPP Not Offered Yes XXX Alternative Loan without PPP Not Offered (No Data) (No Data) (No Data) Not Applicable Complete
1B265E44-1EAC-4F0F-A067-2AC90BDA48FF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D C D C Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed. PPP expired (No Data) (No Data) (No Data) Not Applicable Complete
540A24F2-4376-41C2-BD74-6268516508F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Application Missing (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
540A24F2-4376-41C2-BD74-6268516508F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Section 35 Active B B B B CMPS352071 Lender's disclosed APR exceeds federal Higher-priced threshold No Lender's APR 4.848% with benchmark rate of 3.33% for a variance of 1.518% exceeding the rate spread trigger of 1.5% (No Data) (No Data) (No Data) Not Applicable Complete
540A24F2-4376-41C2-BD74-6268516508F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds; provision not disclosed (No Data) (No Data) (No Data) Not Applicable Complete
6D8FBDA0-6B56-4026-9CE8-4EA523C20ED0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6D8FBDA0-6B56-4026-9CE8-4EA523C20ED0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per note and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
01321040-7EDF-41B3-A682-AEAD7C358D0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
01321040-7EDF-41B3-A682-AEAD7C358D0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 11/XX/2013, GFE in file Dated 11/XX/2013. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
01321040-7EDF-41B3-A682-AEAD7C358D0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA868 Settlement charge estimate not available for 10 business days No GFE Date Delivered: 11/XX/2013 Date settlement Charges available through: 12/XX/2013 Settlement charge estimate not available for 10 business days (No Data) (No Data) (No Data) Not Applicable Complete
01321040-7EDF-41B3-A682-AEAD7C358D0E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing from HUD. (No Data) (No Data) (No Data) Not Applicable Complete
A5A594AE-601D-4B4D-90F5-2EE83F63FD96 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Missing application (No Data) (No Data) (No Data) Not Applicable Complete
A5A594AE-601D-4B4D-90F5-2EE83F63FD96 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A5A594AE-601D-4B4D-90F5-2EE83F63FD96 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
A5A594AE-601D-4B4D-90F5-2EE83F63FD96 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charge understated by more than $XXX (Pmt Stream) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A5A594AE-601D-4B4D-90F5-2EE83F63FD96 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
A5A594AE-601D-4B4D-90F5-2EE83F63FD96 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E9E9092-C3C9-437B-9CB6-B2300B824C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E9E9092-C3C9-437B-9CB6-B2300B824C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
9E9E9092-C3C9-437B-9CB6-B2300B824C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing ABA (No Data) (No Data) (No Data) Not Applicable Complete
9E9E9092-C3C9-437B-9CB6-B2300B824C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing Good Faith Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E9E9092-C3C9-437B-9CB6-B2300B824C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing (No Data) (No Data) (No Data) Not Applicable Complete
9E9E9092-C3C9-437B-9CB6-B2300B824C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
9E9E9092-C3C9-437B-9CB6-B2300B824C8C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance State Consumer Protection Active D D D D CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file Yes Missing Illinois Cert of Compliance or Cert of Exemption in file (No Data) (No Data) (No Data) Not Applicable Complete
0C1A284D-2BC1-44EA-BC43-EDD1D374A9EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0C1A284D-2BC1-44EA-BC43-EDD1D374A9EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing final HUD. (No Data) (No Data) (No Data) Not Applicable Complete
0C1A284D-2BC1-44EA-BC43-EDD1D374A9EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Lender Fees $XXX Pay stream $XXX Difference -0.0050% ($83.76) (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0C1A284D-2BC1-44EA-BC43-EDD1D374A9EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA868 Settlement charge estimate not available for 10 business days No GFE Date Delivered: 12/XX/2014, Date settlement Charges available through: 12/XX/14, Settlement charge estimate not available for 10 business days (No Data) (No Data) (No Data) Not Applicable Complete
0C1A284D-2BC1-44EA-BC43-EDD1D374A9EF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing from HUD. (No Data) (No Data) (No Data) Not Applicable Complete
198C294A-D8EF-4039-A9EA-14EE8D6A77E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
198C294A-D8EF-4039-A9EA-14EE8D6A77E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing copy of Final HUD (No Data) (No Data) (No Data) Not Applicable Complete
198C294A-D8EF-4039-A9EA-14EE8D6A77E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA868 Settlement charge estimate not available for 10 business days No GFE Date Delivered: 11/XX/2014, Date settlement Charges available through: 11/XX/14, Settlement charge estimate not available for 10 business days (No Data) (No Data) (No Data) Not Applicable Complete
198C294A-D8EF-4039-A9EA-14EE8D6A77E6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR Risk: Non-QM - Lender did not document all ATR UW factors Non-QM: Lender documented all ATR UW factors D D D D Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date missing from HUD. (No Data) (No Data) (No Data) Not Applicable Complete
A5D444F8-0E02-4901-8768-145DB61BD4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A5D444F8-0E02-4901-8768-145DB61BD4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Missing final HUD (No Data) (No Data) (No Data) Not Applicable Complete
A5D444F8-0E02-4901-8768-145DB61BD4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
A5D444F8-0E02-4901-8768-145DB61BD4A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI ATR/QM: Not Provided Non-QM: Lender documented all ATR UW factors D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No Finance charge understated by $XXX, Lender $XXX - XXX Paystream 4.5101% $XXX difference. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03240221-6833-4F77-AC0B-9F90534B8A41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03240221-6833-4F77-AC0B-9F90534B8A41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
D7397AD7-B979-4C16-A1C1-D1DE79FC42D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is NON QM Lender did not document all ATR UW Factors, Part time Second Job with XXX does not meet 2 year seasoning requirement. Per V VOE borrower started job on 3-14-2016, Loan Closing date of 7-XX-2016. Borrower employed less than 4 months. Income is not being used. Lender status is QM: XXX (No Data) (No Data) (No Data) Not Applicable Complete
D7397AD7-B979-4C16-A1C1-D1DE79FC42D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM Status determination. 10/24/17 Client provided XXX ATR/QM status determination 10/24/17 Client provided XXX ATR/QM status determination, QM: Safe Harbor. Exception satisfied (No Data) Not Applicable Complete
D7397AD7-B979-4C16-A1C1-D1DE79FC42D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
D7397AD7-B979-4C16-A1C1-D1DE79FC42D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
D7397AD7-B979-4C16-A1C1-D1DE79FC42D6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing proof of receipt that borrower received initial CD At least 3 days prior to consummation. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
584F5F5B-9871-4729-80F4-C76CABE59FAD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WV (No Data) ATR/QM: Not Applicable A A A A                               Complete
384189B2-B1B3-4614-A4AB-41CA9A6A721F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Lender status is QM XXX, Review status is NON QM lender did not document all ATR UW Factors, Income of $52379 off of the w2s was used that is not associated with the borrowers business, different business names on the w2s. (No Data) (No Data) (No Data) Not Applicable Complete
384189B2-B1B3-4614-A4AB-41CA9A6A721F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Review status is NON QM lender did not document all ATR UW Factors, Income of $52379 off of the w2s was used that is not associated with the borrowers business, different business names on the w2s. (No Data) (No Data) (No Data) Not Applicable Complete
384189B2-B1B3-4614-A4AB-41CA9A6A721F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Missing individual loan originators middle initial per NMLS verification (No Data) (No Data) (No Data) Not Applicable Complete
384189B2-B1B3-4614-A4AB-41CA9A6A721F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4261 TRID - CD: The Loan Amount value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a negative number or is zero No Final CD: 03/XX/20: Calculating Cash to Close section, Loan Amount - Loan Estimate column amount is stated as $XXX. Alternative Version form used and is disclosed as a negative number when should be a positive. (No Data) (No Data) Numeric Not Applicable Complete
384189B2-B1B3-4614-A4AB-41CA9A6A721F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4262 TRID - CD: The Total Closing Costs (J) value in the LE column of the CD Calculating Cash to Close Table (Alternative Version) is disclosed as a positive number No CD: 03/XX/2016: Calculating Cash to Close section, Total Closing Costs (J) - Loan Estimate column amount is stated as $XXX. (Alternative Version used) amount is disclosed as a positive number when should be a negative. (No Data) (No Data) Numeric Not Applicable Complete
384189B2-B1B3-4614-A4AB-41CA9A6A721F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final CD 03/XX/2016 Calculating Cash to Close, Loan Estimate column does not match any LE Calculating Cash to Close table. (No Data) (No Data) Non-Numeric Not Applicable Complete
384189B2-B1B3-4614-A4AB-41CA9A6A721F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD 03/XX/2016 and Final CD 03/XX/2016: Other Costs Section (E), Recording Fees are not itemized. Also for Section (F) Insurance Premium-Hazard fee is missing number of months. (No Data) (No Data) Hybrid Not Applicable Complete
38041E68-007E-40F9-8C62-6CDC09EC3350 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR/QM: Exempt D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing Lender's ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
38041E68-007E-40F9-8C62-6CDC09EC3350 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR/QM: Exempt D C D C Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No 2nd lien is a forgivable Note (No Data) (No Data) (No Data) Not Applicable Complete
38041E68-007E-40F9-8C62-6CDC09EC3350 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR/QM: Exempt D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP2404 TILA - Missing/illegible info on payment schedule; unable to perform a complete test No Missing final TIL (No Data) (No Data) (No Data) Not Applicable Complete
38041E68-007E-40F9-8C62-6CDC09EC3350 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR/QM: Exempt D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP311 TILA - Regular Payment per Note/TIL not stated No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
38041E68-007E-40F9-8C62-6CDC09EC3350 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR/QM: Exempt D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
38041E68-007E-40F9-8C62-6CDC09EC3350 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL ATR/QM: Not Provided ATR/QM: Exempt D C D C Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No This is a no payment loan. (No Data) (No Data) (No Data) Not Applicable Complete
60BEEBCE-A007-426E-A78C-3BB1C6DC4AC2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
60BEEBCE-A007-426E-A78C-3BB1C6DC4AC2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 8/XX/2006 given after 3 days from application dated 8/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
1D0A56F1-9295-40B3-A858-E9FDD0E4EA6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 8/XX/13/2004, HELOC Early Disclosure in file dated 09/XX/2004. HELOC Early Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
1D0A56F1-9295-40B3-A858-E9FDD0E4EA6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
1D0A56F1-9295-40B3-A858-E9FDD0E4EA6F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date of 8/XX/13/2004, HELOC Early Disclosure in file dated 09/XX/2004. HELOC Early Disclosure not received within 3 days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
103C5673-B676-4132-A1DD-8AD52740A81E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 04/XX/2006, HELOC Early Disclosure in file dated 05/XX/2006. HELOC Early Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
103C5673-B676-4132-A1DD-8AD52740A81E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 06/XX/2006; disbursement date per file 05/XX/2006. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
103C5673-B676-4132-A1DD-8AD52740A81E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 06/XX/2006; disbursement date per file 05/XX/2006. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
103C5673-B676-4132-A1DD-8AD52740A81E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3188 TILA - HELOC Fees Exceed Fee $100 Tolerance No HELOC Fees per the Early HELOC Disclosure are up to $XXX. Fees per the HUD-1 and the FND are $XXX, for a difference of $XXX, which exceeds the $XXX tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
103C5673-B676-4132-A1DD-8AD52740A81E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date of 04/XX/2006, HELOC Early Disclosure in file dated 05/XX/2006. HELOC Early Disclosure not received within 3 days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E0EEF55-E3FF-48EF-B566-7899CDD9B0BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E0EEF55-E3FF-48EF-B566-7899CDD9B0BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
6E0EEF55-E3FF-48EF-B566-7899CDD9B0BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
6E0EEF55-E3FF-48EF-B566-7899CDD9B0BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6E0EEF55-E3FF-48EF-B566-7899CDD9B0BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
311F7128-5155-46F2-8B46-5C1E7861D01A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
374C1BCA-748B-48BB-ADF4-6CA8D71EE217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA ATR/QM: Exempt QM: GSE Temporary - QM/SH C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Lender status Exempt. XXX status XXX. DU approved 44.22% DTI. (No Data) (No Data) (No Data) Not Applicable Complete
374C1BCA-748B-48BB-ADF4-6CA8D71EE217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA ATR/QM: Exempt QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: 05/XX/2018-1 Summaries of Transactions, Adjustments and Other Credits Calculation is $0.00 does not match Calculating Cash to Close, Adjustments and Other Credits $378.61 (No Data) (No Data) Numeric Not Applicable Complete
374C1BCA-748B-48BB-ADF4-6CA8D71EE217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IA ATR/QM: Exempt QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD 04/XX/2018-1, 04/XX/2018-1, 05/XX/2018-1, 5/15/2018-1 Other Costs Section F missing months included in Homeowner's Insurance Premium (No Data) (No Data) Hybrid Not Applicable Complete
7447B68B-4138-4DE4-81EA-8BF2DA96B3C5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable A A A A                               Complete
8C095007-6B14-4356-9DE7-C3F97A80E3A5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI cert. (No Data) Loan is not insured per tape, final grade B (No Data) Not Applicable Complete
8C095007-6B14-4356-9DE7-C3F97A80E3A5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4246 TRID - CD: The Downpayment/Funds from Borrower value in the LE column of the CD Calculating Cash to Close Table (Standard Version) is disclosed as a negative number No CD: 01/XX/2018-1 [Last CD], Section: Calculating Cash to Close, Field: Down Payment/Funds from Borrower - Loan Estimate, Value: XXX, should be disclosed as a positive number. (No Data) (No Data) Numeric Not Applicable Complete
8C095007-6B14-4356-9DE7-C3F97A80E3A5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: 01/XX/2018-1 [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is ($435.40) and Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value: -13567.94. Values does not match due to the Second Loan was included $XXX (No Data) (No Data) Numeric Not Applicable Complete
65C33158-D04F-42D6-AE81-31E74511D570 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No The Final CD's Calculating Cash To Close does not match the LE's Calculating Cash To Close (No Data) (No Data) Non-Numeric Not Applicable Complete
65C33158-D04F-42D6-AE81-31E74511D570 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID3772 TRID - Error #10 discovered on Loan Estimate No LE 04/XX/2018 formatting, missing state in NMLS. Corrected by CD 06/XX/2018Exception satisfied (No Data) (No Data) (No Data) Not Applicable Complete
900FA54E-5203-412C-98F0-72BBD873552F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Cannot determine if ARM Program Disclosure was provided in a timely manner, disclosure not dated (No Data) (No Data) (No Data) Not Applicable Complete
900FA54E-5203-412C-98F0-72BBD873552F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor, H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B0A847FF-A96E-4C4E-8F15-F062C8797F8B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
1B6DECFA-554B-43FB-886E-2E9F8B5569CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F65221D7-7A82-4F57-AA9F-E083DFCC3AD0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Initial TIL is dated 4/XX/2005, application date is 3/XX/2005. Initial TIL disclosure was not made within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
F65221D7-7A82-4F57-AA9F-E083DFCC3AD0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
F65221D7-7A82-4F57-AA9F-E083DFCC3AD0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE is dated 4/XX/2005, application date is 3/XX/2005. GFE was given after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
AAC8F4E9-341B-4883-AF1F-074A81A77B5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
AAC8F4E9-341B-4883-AF1F-074A81A77B5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No FND does not disclose Note P&I. Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
AAC8F4E9-341B-4883-AF1F-074A81A77B5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EF31A929-8C08-4ADC-97B8-D7E2C8F5C15F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2862 TILA - Loan Originator information missing from Mortgage. No NMLS#s are missing for both Organization and Officer on Security Agreement. (No Data) (No Data) (No Data) Not Applicable Complete
56D99606-395F-4D4A-AAB2-95EE745D07AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
56D99606-395F-4D4A-AAB2-95EE745D07AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
56D99606-395F-4D4A-AAB2-95EE745D07AB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5BB558F7-3E52-4736-98E0-0F9E8FF42E9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.026% with HMDA Benchmark Rate of 3.680% causing variance of 3.346% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
5BB558F7-3E52-4736-98E0-0F9E8FF42E9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Due to missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5BB558F7-3E52-4736-98E0-0F9E8FF42E9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5BB558F7-3E52-4736-98E0-0F9E8FF42E9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
64828B6A-DEA3-455D-B5C3-DDD3F234EB83 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
64828B6A-DEA3-455D-B5C3-DDD3F234EB83 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
64828B6A-DEA3-455D-B5C3-DDD3F234EB83 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment penalty per note is hard and lacks provision for payment of loan by insurance proceeds. PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
64828B6A-DEA3-455D-B5C3-DDD3F234EB83 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6B9DA8A2-A71B-46C5-B41B-F0BB84223C39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6B9DA8A2-A71B-46C5-B41B-F0BB84223C39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
6B9DA8A2-A71B-46C5-B41B-F0BB84223C39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
6B9DA8A2-A71B-46C5-B41B-F0BB84223C39 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
416E293E-585D-42C8-960E-8C7A16FAB809 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable A A A A                               Complete
E122541D-92B6-4E10-8DC0-BDB6B8B04073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
15F26223-881A-4DA5-8484-911F50AD05E5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.690% with HMDA Benchmark Rate of 4.720% causing variance of 3.970% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
EC5B82B0-FB2D-446D-B29D-A1DB0ABBE85A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR XXXHMDA Benchmark Rate XXX HMDA Benchmark/APR Variance XXXHMDA Rate Spread Trigger XXX (No Data) (No Data) (No Data) Not Applicable Complete
EC5B82B0-FB2D-446D-B29D-A1DB0ABBE85A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date XXX, GFE dated XXX. GFE given after XXX days from application. (No Data) (No Data) (No Data) Not Applicable Complete
4A525FE9-2133-440E-959F-CE81F9391463 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4A525FE9-2133-440E-959F-CE81F9391463 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing HELOC Early Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
4A525FE9-2133-440E-959F-CE81F9391463 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No Prepayment Penalty is hard per HELOC Agreement and does not contain state required exclusion that prepayment will not be charged if paid by insurance proceeds. PPP has expired. (No Data) (No Data) (No Data) Not Applicable Complete
4A525FE9-2133-440E-959F-CE81F9391463 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39C53A51-1C0B-4FBC-A338-719F63F26FCC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39C53A51-1C0B-4FBC-A338-719F63F26FCC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC3268 Note in file is incomplete Yes Missing note (No Data) (No Data) (No Data) Not Applicable Complete
39C53A51-1C0B-4FBC-A338-719F63F26FCC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
39C53A51-1C0B-4FBC-A338-719F63F26FCC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
0088135A-AD6A-43B7-AABC-DD7ED1E2C1FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0088135A-AD6A-43B7-AABC-DD7ED1E2C1FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
0088135A-AD6A-43B7-AABC-DD7ED1E2C1FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not Executed. (No Data) (No Data) (No Data) Not Applicable Complete
0088135A-AD6A-43B7-AABC-DD7ED1E2C1FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
0088135A-AD6A-43B7-AABC-DD7ED1E2C1FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
A748B566-F005-4B32-9C34-4468CD11C897 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
98F1F683-AED2-44DF-94F1-68C4C583B94E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete/Illegible HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. 5/XX/18 - HUD1 provided, same HUD1 as in initial review with cited exception. 5/XX/18 - Exception to remain at this time. (No Data) Not Applicable Complete
98F1F683-AED2-44DF-94F1-68C4C583B94E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP2105 TILA - Cannot determine the delivery date of the Final TIL No Missing 2nd page of Final TIL showing signatures and dates of Borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
98F1F683-AED2-44DF-94F1-68C4C583B94E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing 2nd page of Final TIL showing signatures and dates of Borrowers. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
98F1F683-AED2-44DF-94F1-68C4C583B94E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
98F1F683-AED2-44DF-94F1-68C4C583B94E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Allowable ROR Expiration date of 3/XX/2010; disbursement date per file 2/XX/2010. Loan funds were disbursed prior to mandatory rescission period expiration date. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
98F1F683-AED2-44DF-94F1-68C4C583B94E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form . Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) (No Data) Not Applicable Complete
23F78988-EF81-4D44-97E4-D306AD6B75A2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SD QM: Safe Harbor QM: GSE Temporary - QM/SH A A A A                               Complete
600947E8-2BE3-4754-9731-F935EEF52B3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 7.757% with HMDA Benchmark Rate of 4.720% causing variance of 3.037% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
827D9C2A-7C87-4009-8BB3-757944C0BAD3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing 1-4 Family Rider. (No Data) (No Data) (No Data) Not Applicable Complete
827D9C2A-7C87-4009-8BB3-757944C0BAD3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA2D20C6-82B5-476C-9520-6751178166A0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
AA2D20C6-82B5-476C-9520-6751178166A0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
38FD8B7A-8F14-4A15-A7AC-AE5E66A5393A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable A A A A                               Complete
5688D44B-EE4B-4A58-976F-8314D8985C3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Initial TIL dated 11/XX/2007; Application date is 10/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
5688D44B-EE4B-4A58-976F-8314D8985C3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure dated 11/XX/2007; Application date is 10/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
5688D44B-EE4B-4A58-976F-8314D8985C3B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 11/XX/2007; Application date is 10/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
D85DCBE5-182B-4106-8476-2FF73778551E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure in file. (No Data) (No Data) (No Data) Not Applicable Complete
A5AB0A1D-C3EE-44DB-807D-D98A96341177 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to ATR/QM mortgage rule; Lender did not document borrowers income documentation, asset documentation and credit report. (No Data) (No Data) (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Insufficient Information for APR-Payment Stream Testing (No Data) (No Data) (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing initial and final application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations (No Data) (No Data) (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing Good Faith Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1- Estimated HUD1 only in file. Fees captured from Estimate. (No Data) (No Data) (No Data) Not Applicable Complete
B5AA35A2-DB3A-42B7-8E94-C8E9BC75F0B9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO ATR Risk: Non-QM - Lender did not document all ATR UW factors ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D5553465-197A-4255-8C32-34935E2F707A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: Safe Harbor C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
D5553465-197A-4255-8C32-34935E2F707A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: Safe Harbor C C C C Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No Missing correct HUD to cover $XXX in overage. (No Data) (No Data) (No Data) Not Applicable Complete
D5553465-197A-4255-8C32-34935E2F707A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: Safe Harbor C C C C Compliance RESPA Active C C C C CMPRESPA2840 RESPA-Fee subject to 10% tolerance is greater on HUD than on GFE; no evidence of refund in the file Yes Missing credit to cover 10% tolerance overage. (No Data) (No Data) (No Data) Not Applicable Complete
E65A3A79-6AB7-4717-9888-A4F4428EE2D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No The legal documents (or application) reflect no suffix for the loan officer, the NMLS registry reflects a suffix. Can Tie ID to Name. (No Data) (No Data) (No Data) Not Applicable Complete
E65A3A79-6AB7-4717-9888-A4F4428EE2D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
E65A3A79-6AB7-4717-9888-A4F4428EE2D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP2113 TILA - Payment Schedule contains at least one error No First Payments is XXX and does not include taxes and insurance (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E65A3A79-6AB7-4717-9888-A4F4428EE2D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance Charge has difference of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E65A3A79-6AB7-4717-9888-A4F4428EE2D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disc (No Data) (No Data) (No Data) Not Applicable Complete
0C81E928-4605-43E9-BAD3-7B98F98E2CE1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN ATR/QM: Not Provided QM: GSE Temporary - QM/SH B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1537 MN No acknowledgement of Oral Tax/Insurance Disclosure in file No Missing MN acknowledgement of Oral Tax/Insurance Disclosure . (No Data) (No Data) (No Data) Not Applicable Complete
20065C2D-EF16-4CC2-82FD-F3EB0994B95E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided QM: Safe Harbor D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
20065C2D-EF16-4CC2-82FD-F3EB0994B95E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided QM: Safe Harbor D B D B Compliance RESPA Active B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No Application date 9.XX.14 , List of homeowners counseling organizations provided 10.XX.2014, not within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
20065C2D-EF16-4CC2-82FD-F3EB0994B95E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ ATR/QM: Not Provided QM: Safe Harbor D B D B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date 9.XX.2014, GFE given after 3 days from application on 9.XX.2014. (No Data) (No Data) (No Data) Not Applicable Complete
0F821F67-8977-44AA-BF7A-7D4A8E2393B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B B B Compliance Borrower's Interest Active B B B B CMPBI1595 File does not contain a tangible net benefit worksheet No Missing tangible net benefit worksheet. (No Data) (No Data) (No Data) Not Applicable Complete
0F821F67-8977-44AA-BF7A-7D4A8E2393B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
0F821F67-8977-44AA-BF7A-7D4A8E2393B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
0F821F67-8977-44AA-BF7A-7D4A8E2393B5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Safe Harbor QM: Safe Harbor B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1537 MN No acknowledgement of Oral Tax/Insurance Disclosure in file No Missing MN No acknowledgement of Oral Tax/Insurance Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
39E65331-327B-43B1-80F6-9F9956A443E5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
39E65331-327B-43B1-80F6-9F9956A443E5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
39E65331-327B-43B1-80F6-9F9956A443E5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
0A8F2CA3-4A27-4F2E-AA38-F5D1211370D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: Safe Harbor C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP1683 TILA - Closing occurred prior to end of waiting period No Re-disclosed TIL 9/XX/2015, Earliest closing date per TIL 9/XX/2015, Closing occurred 9/XX/2015, no waiver present. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C7EAD31-BE4D-41BC-BDC1-695DF8837F73 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes XXX is cited as in current XXX only XXX mos, with no previous XXX loan file indicates as an exception. Missing XXX ATR guidelines for XXX stability with less than XXXyrs established. (No Data) (No Data) (No Data) Not Applicable Complete
8C7EAD31-BE4D-41BC-BDC1-695DF8837F73 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Review status: Non-QM - XXX did not document all ATR XXX factors. XXX status is XXX. XXX is cited as in current XXX only XXXmos, with no previous XXX loan file indicates as an exception. Missing lenders ATR guidelines forXXX stability with less than XXXyrs established. (No Data) (No Data) (No Data) Not Applicable Complete
8C7EAD31-BE4D-41BC-BDC1-695DF8837F73 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of H.O. counseling disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
8C7EAD31-BE4D-41BC-BDC1-695DF8837F73 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance RESPA Active B B B B CMPRESPA3468 RESPANo evidence that Your Home Loan Toolkit was delivered to the borrower No Missing evidence that Your Home Loan Toolkit was delivered to the XXX (No Data) (No Data) (No Data) Not Applicable Complete
E9A1E76C-C4AA-48A5-9CCD-DAB7074CBA65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Exempt QM: GSE Temporary - QM/SH C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No NEW: Lenders ATR/QM status is Exempt due to transaction Type, Housing Finance Agency Program. This transaction type ids not reflected on DU provided. Review status is QM: XXX (No Data) (No Data) (No Data) Not Applicable Complete
E9A1E76C-C4AA-48A5-9CCD-DAB7074CBA65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Exempt QM: GSE Temporary - QM/SH C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM Status determination, review status is QM XXX. 12-XX-2017-Client provided XXX Report 12-XX-2017-Received XXX report--Exception satisfied (No Data) Not Applicable Complete
E9A1E76C-C4AA-48A5-9CCD-DAB7074CBA65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Exempt QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
E9A1E76C-C4AA-48A5-9CCD-DAB7074CBA65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Exempt QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Missing an LE that matches the final CD calculating cash to close Loan Estimate column. (No Data) (No Data) Non-Numeric Not Applicable Complete
E9A1E76C-C4AA-48A5-9CCD-DAB7074CBA65 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA ATR/QM: Exempt QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Initial CD issued 6-XX-2016, Final CD closed on 6-XX-2016, Initial CD is not signed unable to determine if borrower received at least 3 days prior to closing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A6730B3-E38C-41EC-A9F2-31EEFC559E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Exempt ATR/QM: Exempt C B C B Compliance RESPA Active B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No List of homeowners counseling organizations 3/XX/17 not provided within 3 days of initial application 3/XX/17. (No Data) (No Data) (No Data) Not Applicable Complete
7A6730B3-E38C-41EC-A9F2-31EEFC559E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Exempt ATR/QM: Exempt C B C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
7A6730B3-E38C-41EC-A9F2-31EEFC559E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Exempt ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Written List of Providers 3/XX/17 not provided within 3 days of initial application 3/XX/17. (No Data) (No Data) (No Data) Not Applicable Complete
7A6730B3-E38C-41EC-A9F2-31EEFC559E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Exempt ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3552 TRID - Loan Estimate not timely No Initial Loan Estimate 3/XX/17 not provided within 3 days of initial application 3/XX/17. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A6730B3-E38C-41EC-A9F2-31EEFC559E9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL ATR/QM: Exempt ATR/QM: Exempt C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No Zero tolerance of $1287.31. Cure of $93.69. Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $1193.62 for lender credits fee for zero percent tolerance fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric Not Applicable Complete
028E09F1-D810-4D19-AF3E-01BC18521C4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date 4/XX/2005 prior to required rescission expiration 4/XX/2005 based on transaction date of 4/XX/2005 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
028E09F1-D810-4D19-AF3E-01BC18521C4A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Right of Recession with earliest expiration of 4/XX/2005 based on transaction date of 4/XX/2005 missing on 1st lien purchase money HELOC transaction (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
57241273-7CE4-42BA-9A7D-EA82B33551D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1907 Incorrect ROR Form Used - Closed-End form on Open-End loan No Incorrect ROR form (H8) used - Closed-End form on Open-End loan. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
57241273-7CE4-42BA-9A7D-EA82B33551D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3186 TILA - HELOC Exceeds APR Tolerance >0.125 No APR 4.25% with APR per review is 4.38% for difference APR FND/APR review of -0.13% exceeding the 0.125% tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
57241273-7CE4-42BA-9A7D-EA82B33551D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees $XXX are greater than FND fees of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
57241273-7CE4-42BA-9A7D-EA82B33551D0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No HUD fees not disclosed on FND. HUD fees of escrow fee $XXX, doc prep $XXX, title insurance $XXX, courier fee $XXX, recording fee of $XXX Total $XXX. HUD reflects credit of $XXX for NRCC and lender credit of $XXX and title credit of $XXXTotal $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04B42788-4C4A-4C01-B58B-CBBEC87EFDBA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1907 Incorrect ROR Form Used - Closed-End form on Open-End loan No Incorrect ROR form (H8) used - Closed-End form on Open-End loan. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04B42788-4C4A-4C01-B58B-CBBEC87EFDBA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3186 TILA - HELOC Exceeds APR Tolerance >0.125 No APR XXX% with APR per review is XXX% for difference APR FND/APR review of -XXX% exceeding theXXX% tolerance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04B42788-4C4A-4C01-B58B-CBBEC87EFDBA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees $XXX are greater than FND fees of $XXX by $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
04B42788-4C4A-4C01-B58B-CBBEC87EFDBA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No Escrow fee of $XXX, Doc Prep Fee of $XXX, Title Insurance of $XXX and Recording Fee of $XXX is not disclosed on final HELOC Note disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B8C47307-088C-4B18-B413-C88499409D3F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1907 Incorrect ROR Form Used - Closed-End form on Open-End loan No Incorrect ROR form (H8) used - Closed-End form on Open-End loan. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B8C47307-088C-4B18-B413-C88499409D3F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3188 TILA - HELOC Fees Exceed Fee $100 Tolerance No Early disclosure fees $XXX versus final HELOC disclosure of $XXX for a variance of $XXX exceeding the $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B8C47307-088C-4B18-B413-C88499409D3F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3264 TILA - Amount of Fees on HUD are greater than fees disclosed on the FND No HUD fees $XXX are greater than FND fees of $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B8C47307-088C-4B18-B413-C88499409D3F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA3266 TILA - HELOC Fees on HUD that are not disclosed on the FND No Alta Loan policy fee of $XXX, sub-escrow fee of $XXX, Courier fee of $XXX & recording fee of $XXX not disclosed on the FND. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DBE806D2-759E-4EE3-87EA-3EB503605D32 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A B A B Compliance State Late Charges Active N/A B N/A B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No (No Data) (No Data) (No Data) (No Data) Not Applicable Complete
126E1289-D960-4679-893C-A7D50D1B16F9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No Disbursement date of 01/XX/2005 is before midnight of date of 01/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
126E1289-D960-4679-893C-A7D50D1B16F9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Disbursement date of 01/XX/2005 is before midnight of date of 01/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
126E1289-D960-4679-893C-A7D50D1B16F9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance State Prepayment Penalty Active C B C B CMPSTPP100 PPP - Prepayment penalty prohibited by state No PPP Prohibited by state. Prepayment penalty expiration 1/XX/2010 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
126E1289-D960-4679-893C-A7D50D1B16F9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
72AA1355-0F40-491A-B499-1111CF2B0F5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
72AA1355-0F40-491A-B499-1111CF2B0F5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Repayment Ability Active C C C C CMPSTRA1493 MN Home Loan - Repayment Ability not based on Full Doc Yes Repayment Ability not based on Full Doc. Doc type in file is streamline. (No Data) (No Data) (No Data) Not Applicable Complete
72AA1355-0F40-491A-B499-1111CF2B0F5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
72AA1355-0F40-491A-B499-1111CF2B0F5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Unable to Calculate Maximum Payment subject to late charge. (No Data) (No Data) (No Data) Not Applicable Complete
5F0F78D3-8600-43CC-84F5-587C9BBF05C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors A C A C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination due to insufficient assets to close. Borrower has $1996.69 with $10649.18 required to close. (No Data) (No Data) (No Data) Not Applicable Complete
5F0F78D3-8600-43CC-84F5-587C9BBF05C8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors A C A C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to insufficient assets to close. Borrower has $1996.69 with $10649.18 required to close. (No Data) (No Data) (No Data) Not Applicable Complete
03250E9C-0AAB-4549-A0EF-F6DEF9D8A479 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03250E9C-0AAB-4549-A0EF-F6DEF9D8A479 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.956% with HMDA Benchmark Rate of 4.690% causing variance of 6.266% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
03250E9C-0AAB-4549-A0EF-F6DEF9D8A479 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
03250E9C-0AAB-4549-A0EF-F6DEF9D8A479 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03250E9C-0AAB-4549-A0EF-F6DEF9D8A479 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03250E9C-0AAB-4549-A0EF-F6DEF9D8A479 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
03250E9C-0AAB-4549-A0EF-F6DEF9D8A479 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
03250E9C-0AAB-4549-A0EF-F6DEF9D8A479 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
402A0A18-32CC-4052-A8A7-85F0D869BC13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes GFE's and AUS/DU findings show loan amount at $XXX. Note and Final HUD-1 have loan amount at $XXX. Need Final HUd-1. Possible QM fail due to rental income calculated incorrectly (No Data) (No Data) (No Data) Not Applicable Complete
402A0A18-32CC-4052-A8A7-85F0D869BC13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes Review status is Non-QM Lender did not document all ATR UW factors. GFE's and AUS/DU findings show loan amount at $XXX. Note and Final HUD-1 have loan amount at $XXX. Need Final HUd-1. Possible QM fail due to rental income calculated incorrectly (No Data) (No Data) (No Data) Not Applicable Complete
402A0A18-32CC-4052-A8A7-85F0D869BC13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP310 TILA - Regular Payment per TIL not equal to Note Original P&I No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
402A0A18-32CC-4052-A8A7-85F0D869BC13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
402A0A18-32CC-4052-A8A7-85F0D869BC13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No GFE's and AUS/DU findings show loan amount at $XXX. Note and Final HUD-1 have loan amount at $XXX. Need Final HUd-1. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
402A0A18-32CC-4052-A8A7-85F0D869BC13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active C C C C CMPRESPA2838 RESPA-Fee subject to zero tolerance is greater on HUD than on GFE; no evidence of refund in the file Yes Missing Revised HUD-1 or evidence $352 refund paid for Transfer Taxes (No Data) (No Data) (No Data) Not Applicable Complete
402A0A18-32CC-4052-A8A7-85F0D869BC13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance RESPA Active N/A B N/A B CMPRESPA878 HUD Loan Terms section inaccurate No Final GFE in file 06/XX/15 loan terms do not match Note (No Data) (No Data) (No Data) Not Applicable Complete
402A0A18-32CC-4052-A8A7-85F0D869BC13 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA Active C B C B CMPTILA1686 Regular pmt loan; APR overdisclosed > 0.125% No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
16C0A303-08E8-49B7-ADCC-238D3133C2D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No PPP missing provision for lender to lender refinance. PPP expired (No Data) (No Data) (No Data) Not Applicable Complete
896B4DAC-A006-4626-8164-3FCD6567F4E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.860% with HMDA Benchmark Rate of 5.260% causing variance of 5.600% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
8E92EC26-FFB1-4872-AD4B-FE52DB33BB03 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of XXX% with HMDA Benchmark Rate of XXX% causing variance of XXX% which exceeds HMDA Rate spread Trigger of XXX. (No Data) (No Data) (No Data) Not Applicable Complete
67D59D6A-6BC8-474C-AEFF-3EB6EACC31F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
67D59D6A-6BC8-474C-AEFF-3EB6EACC31F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Application date of 02/XX/2005, HELOC Early Disclosure in file dated 03/XX/2005. HELOC Early Disclosure not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
67D59D6A-6BC8-474C-AEFF-3EB6EACC31F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OK (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active C B C B CMPTILA3200 TILA - HELOC Early Disclosure not provided within 3 business days of application No Application date of 02/XX/2005, HELOC Early Disclosure in file dated 03/XX/2005. HELOC Early Disclosure not received within 3 days of application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA71B125-2BF0-4366-9A19-FF24F45238E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors A C A C Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No XXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan subject to ATR/QM rule; XXXX Housing Loan. Program pulled from originator (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AA71B125-2BF0-4366-9A19-FF24F45238E8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors A C A C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM3082 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination. Yes XXXX NEW: Incomplete file, missing any and all documentation at origination used to qualify and determine ability to repay; Loan subject to ATR/QM rule; XXXX. Program pulled from originator (No Data) (No Data) (No Data) Not Applicable Complete
1B527966-6947-4ED5-9F18-1B9AB69DA66F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
1B527966-6947-4ED5-9F18-1B9AB69DA66F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
1B527966-6947-4ED5-9F18-1B9AB69DA66F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note with XXX (No Data) (No Data) (No Data) Not Applicable Complete
1B527966-6947-4ED5-9F18-1B9AB69DA66F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
1B527966-6947-4ED5-9F18-1B9AB69DA66F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No Due to missing note (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B527966-6947-4ED5-9F18-1B9AB69DA66F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B527966-6947-4ED5-9F18-1B9AB69DA66F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1669 TILA - Corrected TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1B527966-6947-4ED5-9F18-1B9AB69DA66F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A6C774DC-1931-4995-A709-980DA2E51DFB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.704 HMDA Benchmark Rate 4.880 HMDA Benchmark/APR Variance 5.824 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
A6C774DC-1931-4995-A709-980DA2E51DFB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure is dated 6/XX/2007, Application date is 5/XX/2007. (No Data) (No Data) (No Data) Not Applicable Complete
A6C774DC-1931-4995-A709-980DA2E51DFB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A6C774DC-1931-4995-A709-980DA2E51DFB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A6C774DC-1931-4995-A709-980DA2E51DFB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A6C774DC-1931-4995-A709-980DA2E51DFB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD. (No Data) (No Data) (No Data) Not Applicable Complete
A6C774DC-1931-4995-A709-980DA2E51DFB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C4ECD9E4-E13A-4C87-8D6F-58AC08D23C5B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete/Illegible HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. 9/XX/2018 - Incomplete HUD-1 provided. HUD-1 is not signed by the borrower or signed/certified by the settlement agent. 9/XX/2018 - Exception remains (No Data) Not Applicable Complete
C4ECD9E4-E13A-4C87-8D6F-58AC08D23C5B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
AEE50154-D274-4D29-8712-603187B9D9D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
AEE50154-D274-4D29-8712-603187B9D9D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing list of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
AEE50154-D274-4D29-8712-603187B9D9D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
AEE50154-D274-4D29-8712-603187B9D9D3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH C C C C Compliance Section 35 Active B B B B CMPS352071 Lender's disclosed APR exceeds federal Higher-priced threshold No Lenders APR 5.681 Benchmark Rate 4.030 Benchmark/APR Variance 1.651 Rate Spread Trigger 1.500% (No Data) (No Data) (No Data) Not Applicable Complete
B50C8496-5C44-4CAC-B66B-AA98489D6864 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
B50C8496-5C44-4CAC-B66B-AA98489D6864 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1D10E823-BC07-4B9A-BBB7-73237D3BCD79 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
1D10E823-BC07-4B9A-BBB7-73237D3BCD79 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B917FAEE-99C1-4BAB-9BBC-2491BEA40582 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
91366CC1-DBA1-4A83-8B5B-182D3C93D8BB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Review status is NON QM lender did not document all ATR UW Factors, Unable to use Trust income per DU, Duration required is 36 months, Trust is dated 11-XX-2002 and terminates in 15 years which is 11-XX-2017. Note date of 05-XX-2015, 36 months out would be 05-XX-2018, 36 month timeframe is not met. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
91366CC1-DBA1-4A83-8B5B-182D3C93D8BB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Lender status is QM XXX, Review status is NON QM lender did not document all ATR UW Factors, Unable to use Trust income per DU, Duration required is 36 months, Trust is dated 11-XX-2002 and terminates in 15 years which is 11-XX-2017. Note date of 05-XX-2015, 36 months out would be 05-12-XX-18, 36 month timeframe is not met. (No Data) (No Data) (No Data) Not Applicable Complete
91366CC1-DBA1-4A83-8B5B-182D3C93D8BB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
91366CC1-DBA1-4A83-8B5B-182D3C93D8BB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA Active B B B B CMPTILA1684 Early TIL provided by Broker No Early TIL provided by Broker. (No Data) (No Data) (No Data) Not Applicable Complete
DF5B260F-CE6C-4E98-A27A-71337746F6FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
DF5B260F-CE6C-4E98-A27A-71337746F6FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DF5B260F-CE6C-4E98-A27A-71337746F6FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
18084B73-8CA6-4B81-B778-956017668813 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.190; HMDA benchmark rate 4.910. APR variance of 3.280 exceeds 3.000 trigger. (No Data) (No Data) (No Data) Not Applicable Complete
18084B73-8CA6-4B81-B778-956017668813 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing lender's initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
18084B73-8CA6-4B81-B778-956017668813 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1151 SC Home Loans -Broker 'Amounts Earned' Disclosure not in file No Missing Broker 'Amounts Earned' Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
18084B73-8CA6-4B81-B778-956017668813 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B B B B Compliance State Consumer Protection Active B B B B CMPSTCP1159 SC Home Loans - Designated Agency Disclosure not in file No Missing Designated Agency Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
557E512D-CE1E-4E2C-B042-3B15EECFDF5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active C B C B CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No Review status is NON QM Lender did not document all ATR UW Factors, Missing the AUS DU with Refer / Eligible results listed on the First Guaranty Mortgage Due Diligence Report. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
557E512D-CE1E-4E2C-B042-3B15EECFDF5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Lender status is QM XXX, Review status is NON QM Lender did not document all ATR UW Factors, Missing the AUS DU with Refer / Eligible results listed on the First Guaranty Mortgage Due Diligence Report. (No Data) (No Data) (No Data) Not Applicable Complete
557E512D-CE1E-4E2C-B042-3B15EECFDF5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No TIL disclosed APR is 6.2850%. Actual calculated APR per payment stream is 6.4872% for a variance of .2022% exceeding max threshold of .125%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
557E512D-CE1E-4E2C-B042-3B15EECFDF5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
557E512D-CE1E-4E2C-B042-3B15EECFDF5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
557E512D-CE1E-4E2C-B042-3B15EECFDF5A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations. (No Data) (No Data) (No Data) Not Applicable Complete
01D4E5E4-66A8-44C0-AC30-8F18ECDB809D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Initial TIL is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
25C85D1B-FB8D-4275-A640-4575A75DACFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 10.995% with HMDA Benchmark Rate of 4.880% causing variance of 6.115% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
25C85D1B-FB8D-4275-A640-4575A75DACFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
25C85D1B-FB8D-4275-A640-4575A75DACFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
07290557-25F1-4DAF-841D-EDE7600A7D33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
07290557-25F1-4DAF-841D-EDE7600A7D33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
07290557-25F1-4DAF-841D-EDE7600A7D33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
07290557-25F1-4DAF-841D-EDE7600A7D33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
07290557-25F1-4DAF-841D-EDE7600A7D33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
07290557-25F1-4DAF-841D-EDE7600A7D33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
07290557-25F1-4DAF-841D-EDE7600A7D33 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4FBF527D-DA3C-48C8-8DAC-838306297369 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.889 HMDA Benchmark Rate 4.560 HMDA Benchmark/APR Variance 5.329 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
4FBF527D-DA3C-48C8-8DAC-838306297369 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Disclosure dated 05/XX/2005 is dated over 3 days from Application date of 01/XX/2005. (No Data) (No Data) (No Data) Not Applicable Complete
99DA8353-9478-4C08-9D5F-96A87ABBCC85 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B C B C Compliance Borrower's Interest Active N/A C N/A C CMPBI1604 SC Borrower Interest-not Clayton approved Yes Unable to determine Benefit to borrower; missing copy of previous notes. (No Data) (No Data) (No Data) Not Applicable Complete
99DA8353-9478-4C08-9D5F-96A87ABBCC85 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B C B C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.428; HMDA benchmark rate 4.540. APR variance of 5.888 exceeds 3.000 trigger. (No Data) (No Data) (No Data) Not Applicable Complete
99DA8353-9478-4C08-9D5F-96A87ABBCC85 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B C B C Compliance State Consumer Protection Active B B B B CMPSTCP1151 SC Home Loans -Broker 'Amounts Earned' Disclosure not in file No Missing SC Home Loans -Broker 'Amounts Earned' Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
99DA8353-9478-4C08-9D5F-96A87ABBCC85 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable B C B C Compliance State Consumer Protection Active B B B B CMPSTCP1159 SC Home Loans - Designated Agency Disclosure not in file No Missing SC Home Loans - Designated Agency Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7DD5A1F3-8B77-4E22-B0A5-DF860BDEAFF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed; PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
C9AE7475-5D20-4FCD-84B7-7FD994FF1E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No Due to insufficient PI pmt per note. (No Data) (No Data) (No Data) Not Applicable Complete
C9AE7475-5D20-4FCD-84B7-7FD994FF1E54 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.238% with HMDA Benchmark Rate of 4.720% causing variance of 6.518% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. HUD1s in file belong to other transactions. (No Data) (No Data) (No Data) Not Applicable Complete
EAEE60AC-DDF8-4EA9-A34E-AE0D70A4EA24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2B705DBF-AF03-4E72-8E05-4A3B99E654A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 12/XX/2007 Test APR 8.690 HMDA Benchmark Rate 4.660 HMDA Benchmark/APR Variance 4.030 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
2B705DBF-AF03-4E72-8E05-4A3B99E654A7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX; Shippjng/Warehouse Fee of $XXX was not included as a Prepaid finance charge on the Itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F45E1F1A-8445-4F3A-9732-23F9908A1092 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F45E1F1A-8445-4F3A-9732-23F9908A1092 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title from origination; Ownership report dated 03/XX/2007 in file. (No Data) (No Data) (No Data) Not Applicable Complete
F45E1F1A-8445-4F3A-9732-23F9908A1092 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing lenders initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
F45E1F1A-8445-4F3A-9732-23F9908A1092 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Due to missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F45E1F1A-8445-4F3A-9732-23F9908A1092 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F45E1F1A-8445-4F3A-9732-23F9908A1092 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
F45E1F1A-8445-4F3A-9732-23F9908A1092 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement (No Data) (No Data) (No Data) Not Applicable Complete
78C7D54E-FD91-40AB-9F69-E211B6C5348F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX ID (No Data) ATR/QM: Not Applicable A A A A                               Complete
BEF4D6F8-1E99-487F-A998-874E8A5C0DA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance TILA Active C B C B CMPTILA1953 Corrected TIL required; APR increased on latest TIL outside of tolerance. No Corrected TIL Missing, Initial TIL APR 5.270%, Final TIL APR 5.7710% for a variance of 0.5010% exceeding the 0.125% tolerance (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7EE8B263-3C43-4A6E-BDA0-577E3C701CA9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.509 HMDA Benchmark Rate 5.190 HMDA Benchmark/APR Variance 4.319 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
7EE8B263-3C43-4A6E-BDA0-577E3C701CA9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
8C14E28D-426E-4DAE-9074-C0A6B6D07DF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL reflects total payments of $XXX the total of the payments comes to $XXX (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C14E28D-426E-4DAE-9074-C0A6B6D07DF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
8C14E28D-426E-4DAE-9074-C0A6B6D07DF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8C14E28D-426E-4DAE-9074-C0A6B6D07DF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP101 OH CSPA; Unable to determine prior refi made by govt. No Missing prior mortgage (No Data) (No Data) (No Data) Not Applicable Complete
8C14E28D-426E-4DAE-9074-C0A6B6D07DF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP2455 OH CSPA - Reduced Documentation Loan No Reduced Documentation Loan (No Data) (No Data) (No Data) Not Applicable Complete
23270DB5-AEF7-4C8C-9380-5C701F21409A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
23270DB5-AEF7-4C8C-9380-5C701F21409A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
23270DB5-AEF7-4C8C-9380-5C701F21409A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH D C D C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
BABF9E92-07B5-4802-9A12-87846ECF2A9C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No HELOC Early Disclosure is undated, cannot determine if provided timely. (No Data) (No Data) (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 10.731%, the benchmark APR is 4.990% resulting in a difference of 5.741%. This exceeds the HMDA rate spread trigger of 1.500%. (No Data) (No Data) (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
295454F4-DDB5-4076-A5B9-08053DD7D8CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2972EA5B-B888-41F7-BA81-4870374276DA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Certificate. (No Data) (No Data) (No Data) Not Applicable Complete
B8D8BEF0-867C-41EC-9EDE-0A07CE87EE93 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI certificate (No Data) (No Data) (No Data) Not Applicable Complete
B8D8BEF0-867C-41EC-9EDE-0A07CE87EE93 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable C C C C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B8D8BEF0-867C-41EC-9EDE-0A07CE87EE93 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DC (No Data) ATR/QM: Not Applicable C C C C Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
15FB4125-21A9-4798-8AF4-9EBB403E4549 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.792 HMDA Benchmark Rate 4.930 HMDA Benchmark/APR Variance 4.862 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
15FB4125-21A9-4798-8AF4-9EBB403E4549 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
6EF45786-6B70-4EA5-8DA4-E648CFBFC4FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.842% with HMDA Benchmark Rate of 4.910% causing variance of 3.932% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
6EF45786-6B70-4EA5-8DA4-E648CFBFC4FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
6EF45786-6B70-4EA5-8DA4-E648CFBFC4FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable D B D B Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B52DA75C-CD4B-47D3-8CDE-137515C58054 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by more than $XXX missing itemization from file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
459DB9C3-41DF-409B-9024-DCBD6DCA0AB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
459DB9C3-41DF-409B-9024-DCBD6DCA0AB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active N/A C N/A C CMPDOC101 Unresolved title issue Yes Final title policy cites a mortgage on sch B, from 1988, $XXX. (No Data) (No Data) (No Data) Not Applicable Complete
459DB9C3-41DF-409B-9024-DCBD6DCA0AB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.771; HMDA benchmark rate 4.730. APR variance of 4.041 exceeds 3.000 trigger. (No Data) (No Data) (No Data) Not Applicable Complete
459DB9C3-41DF-409B-9024-DCBD6DCA0AB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
459DB9C3-41DF-409B-9024-DCBD6DCA0AB6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable D C D C Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX paystream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
822AF6C1-DA9F-4B6D-8F35-CD146350ECC3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.153% with HMDA Benchmark Rate of 4.690% causing variance of 6.463% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
89FED815-2028-431C-8514-69931B5413BB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP2095 TILA - Cannot determine timely delivery of Initial TIL No Initial TIL not dated. (No Data) (No Data) (No Data) Not Applicable Complete
3623B3DA-DDEB-4599-A8ED-367F67D9FDEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable A A A A                               Complete
554BB10F-BD7D-4025-9CEB-3CAD84F2B8EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No Final TIL disclosed APR of 6.7540%, per XXX pay stream calculations, APR is 6.9660%, resulting in understated APR of 0.2120%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
554BB10F-BD7D-4025-9CEB-3CAD84F2B8EB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8F41F20E-77E0-400F-926F-B6B1E22DCA0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
8F41F20E-77E0-400F-926F-B6B1E22DCA0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
35499E53-DD9C-442F-8644-89AFF97101CF XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing lender's initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
518738F2-1FC1-4713-BC95-3AABC5B966C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
518738F2-1FC1-4713-BC95-3AABC5B966C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.125 HMDA Benchmark Rate 4.940 HMDA Benchmark/APR Variance 3.185 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
518738F2-1FC1-4713-BC95-3AABC5B966C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
518738F2-1FC1-4713-BC95-3AABC5B966C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
518738F2-1FC1-4713-BC95-3AABC5B966C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
518738F2-1FC1-4713-BC95-3AABC5B966C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
518738F2-1FC1-4713-BC95-3AABC5B966C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement. (No Data) (No Data) (No Data) Not Applicable Complete
518738F2-1FC1-4713-BC95-3AABC5B966C9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FE94E021-9251-4306-AE58-60F246CCAF9D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
FE94E021-9251-4306-AE58-60F246CCAF9D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
FE94E021-9251-4306-AE58-60F246CCAF9D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR2043 Cannot determine if funding date is after rescission period No Disbursement date is not shown on final HUD-1 or Note/Final TIL. (No Data) (No Data) (No Data) Not Applicable Complete
8584C9DF-E837-4D45-A2F1-8BEEE55456B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Both Final HUD-1's in the file are missing Municipal - Tax Search & ALTA 7 fee amounts - they are covered by a bar code stamp. 9/XX/2018 - Incomplete HUD-1 provided. Tax search and ALTA 7 fee amounts are covered by a bar code stamp. 9/XX/2018 - Exception remains. (No Data) Not Applicable Complete
8584C9DF-E837-4D45-A2F1-8BEEE55456B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.875%, HMDA benchmark rate 4.470%, variance 5.405% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
8D7B4A21-D2B7-43B3-81FF-40B5D7D4A3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.668% with HMDA Benchmark Rate of 4.560% causing variance of 4.108% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
8D7B4A21-D2B7-43B3-81FF-40B5D7D4A3D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
307E278F-DAE7-4AA3-AE43-F81BE6F3F2E2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
3B992ADE-C302-4B89-BF5E-5E7A7EFF1283 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3B992ADE-C302-4B89-BF5E-5E7A7EFF1283 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.050 HMDA Benchmark Rate 4.690 HMDA Benchmark/APR Variance 6.360 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
3B992ADE-C302-4B89-BF5E-5E7A7EFF1283 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final Hud-1. (No Data) (No Data) (No Data) Not Applicable Complete
D0504433-7B60-4963-9526-7329279EBE44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.978 HMDA Benchmark Rate 4.560 HMDA Benchmark/APR Variance 5.418 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
A9FC5939-73F4-4F2A-A7DB-4D07F7014B95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.107%, HMDA benchmark rate 4.720%. Variance of 5.387% exceeds 3.00% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
A9FC5939-73F4-4F2A-A7DB-4D07F7014B95 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX LA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
4EEB79AB-3151-4A71-98DE-E374A90538D7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
AEFFDE4B-5832-460C-AF74-A7CA955E1A6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D C D C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
AEFFDE4B-5832-460C-AF74-A7CA955E1A6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEFFDE4B-5832-460C-AF74-A7CA955E1A6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEFFDE4B-5832-460C-AF74-A7CA955E1A6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AEFFDE4B-5832-460C-AF74-A7CA955E1A6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
AEFFDE4B-5832-460C-AF74-A7CA955E1A6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Satisfied D A D A CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement No Missing final HUD-1. 9/XX/18 - HUD1 provided.9/XX/2018 - HUD-1 provided. 9/X/18 - HUD1 provided belongs to previous transaction by the borrower on this property dated 12/XX/01. Exception to remain at this time.9/XX/2018 - Exception satisfied. (No Data) Not Applicable Complete
AEFFDE4B-5832-460C-AF74-A7CA955E1A6D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D C D C Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
26F1AEE7-AB05-4678-9110-EF646F90D9D8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 8.998 HMDA Benchmark Rate 4.780 HMDA Benchmark/APR Variance 4.218 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
29179F33-5E0D-494A-B8AB-89B20BC71A28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
29179F33-5E0D-494A-B8AB-89B20BC71A28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.898; HMDA benchmark rate 4.880. APR variance of 3.018 exceeds 3.000 trigger. (No Data) (No Data) (No Data) Not Applicable Complete
29179F33-5E0D-494A-B8AB-89B20BC71A28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
29179F33-5E0D-494A-B8AB-89B20BC71A28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
29179F33-5E0D-494A-B8AB-89B20BC71A28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
29179F33-5E0D-494A-B8AB-89B20BC71A28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
29179F33-5E0D-494A-B8AB-89B20BC71A28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
29179F33-5E0D-494A-B8AB-89B20BC71A28 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
FB3CF5E9-3B2D-4DBA-A761-04E7A7B6CCF7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.605% with HMDA Benchmark Rate of 4.590% causing variance of 5.015% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
5FC16C5F-712C-4665-A2E7-5851ADD30DBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable A A A A                               Complete
1689676F-E173-440E-9604-91B9EEA310B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI certificate (No Data) (No Data) (No Data) Not Applicable Complete
1689676F-E173-440E-9604-91B9EEA310B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable C C C C Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Lender used H8 ROR form for a lender to lender refinance. Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. (No Data) (No Data) (No Data) Not Applicable Complete
74AABCE4-0858-4C39-A3BC-55247E959615 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No Per Initial TIL & GFE, Origination was 08/XX/2005, ARM Disclosure dated 08/XX/2005 at Closing. (No Data) (No Data) (No Data) Not Applicable Complete
881F8420-C17D-45C3-A222-1629C0ABAC87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance APR Tolerance Active C B C B CMPAPRT100 APR - Regular pmt loan; underdisclosed APR > 0.125% No TIL disclosed APR is 14.44%. Actual calculated APR per XXX payment stream is 14.66.36% for a variance of .2236% exceeding max threshold of .125%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
881F8420-C17D-45C3-A222-1629C0ABAC87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date is 11/XX/1999; the earliest dated TIL in file is dated 11/XX/1999. (No Data) (No Data) (No Data) Not Applicable Complete
881F8420-C17D-45C3-A222-1629C0ABAC87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
881F8420-C17D-45C3-A222-1629C0ABAC87 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BC930E78-9C39-4197-ADA1-E4B3A9995C64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided QM: GSE Temporary - QM/SH C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing Lender's ATR/QM status determination (No Data) (No Data) (No Data) Not Applicable Complete
BC930E78-9C39-4197-ADA1-E4B3A9995C64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
BC930E78-9C39-4197-ADA1-E4B3A9995C64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided QM: GSE Temporary - QM/SH C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing. (No Data) (No Data) (No Data) Not Applicable Complete
BC930E78-9C39-4197-ADA1-E4B3A9995C64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD: 12/XX/2015-1 [Last CD] and CD: 02/XX/2016-1, Section: Summaries of Transactions, Message: Sale Price of Property minus Loan Amount is: $XXX; however, Calculating Cash to Close, Field: Down Payment/Funds from Borrower - Final, is listed as $ XXX. This includes the upfront MI payment in the amount of $XXX. This is a FHA Loan. (No Data) (No Data) Numeric Not Applicable Complete
BC930E78-9C39-4197-ADA1-E4B3A9995C64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: 12/XX/2015-1 [Last CD], Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation is ($XXX) and Section: Calculating Cash to Close, Field: Adjustments and Other Credits - is listed as ($XXX). (No Data) (No Data) Numeric Not Applicable Complete
BC930E78-9C39-4197-ADA1-E4B3A9995C64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 02/XX/2016-1, Section: Summaries of Transactions, (L) Line 15 please provide the dates for the NHF Grant or move the fee up to lines 08-11. (No Data) (No Data) Hybrid Not Applicable Complete
BC930E78-9C39-4197-ADA1-E4B3A9995C64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Please provide proof CD issued 12/XX/2015 was received by the borrower three days before the consummation date of 12/XX/2015. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BC930E78-9C39-4197-ADA1-E4B3A9995C64 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO ATR/QM: Not Provided QM: GSE Temporary - QM/SH C C C C Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3706 TRID - Curable Issue #1 related to the Closing Disclosure in file No 1. CD 12/XX/2015 and 12/XX/2015 Transaction information the seller address is not listed. Post Close CD issued 02/XX/2016 corrects this error. Exception satisfied. 2. 12/XX/2015 Calculating Cash to Close Adjustments and other credits changed; however, the reason for the change is not listed. Post Close CD issued 02/0XX/2016 corrects this error. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
2EC5C179-DDCF-49FB-9B16-659F26BFC85B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing PMI Cert (No Data) (No Data) (No Data) Not Applicable Complete
2EC5C179-DDCF-49FB-9B16-659F26BFC85B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.522% with HMDA Benchmark Rate of 4.810% causing variance of 4.712% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
2EC5C179-DDCF-49FB-9B16-659F26BFC85B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
2EC5C179-DDCF-49FB-9B16-659F26BFC85B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Finance Charge Tolerance Active C B C B CMPFINT3968 Finance charge understated by more than $35 No Finance charge understated by $XXX; certain finance charge fees are POC, assumed by borrower. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
08E67B43-CD77-4336-ABF9-424957BA6239 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure dated 8/XX/2005; Application date is 6/XX/2006. (No Data) (No Data) (No Data) Not Applicable Complete
93EF8CBD-A69A-4AE0-BDD7-678B7733BA41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed. (No Data) (No Data) (No Data) Not Applicable Complete
93EF8CBD-A69A-4AE0-BDD7-678B7733BA41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
93EF8CBD-A69A-4AE0-BDD7-678B7733BA41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP312 TILA - Final TIL Date after actual transaction date No Final TIL date of 10/XX/2006 is after transaction date of 10/XX/2006. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.885% with HMDA Benchmark Rate of 4.880% causing variance of 5.005% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final Hud-1. (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission Form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Missing evidence itemized disclosure of fees was provided prior to closing. (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE305 TX Equity - borrower not provided copy of application pre-closing Yes Missing evidence borrower was provided copy of application pre-closing (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE327 TX Equity - Owner and Spouse not provided 3 calendar day ROR period Yes Missing Right Of Rescission. (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE114 TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) Yes Missing TX Notice Concerning Extensions of Credit. (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE117 TX Equity - Missing Affidavit of Fair Market Value Yes Missing Affidavit of Fair Market Value. (No Data) (No Data) (No Data) Not Applicable Complete
7A52CB33-AADA-4391-9652-4442C5373DD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE306 TX Equity - borr not given copy of final/app, closing docs Yes Missing evidence borrower was given copy of final/app, closing docs (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final Hud-1. (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right Of Rescission. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE111 TX Equity - Itemized disclosure of fees not provided prior to closing Yes Missing evidence itemized disclosure of fees was provided prior to closing. (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE305 TX Equity - borrower not provided copy of application pre-closing Yes Missing evidence borrower was provided copy of application pre-closing (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active C C C C CMPTXHE327 TX Equity - Owner and Spouse not provided 3 calendar day ROR period Yes TX Equity - Missing Right Of Rescission. (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE114 TX Equity - Missing Notice Concerning Extensions of Credit (12-Day) Yes Missing TX Notice Concerning Extensions of Credit. (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE117 TX Equity - Missing Affidavit of Fair Market Value Yes Texas Equity- Missing Affidavit of Fair Market Value. (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE306 TX Equity - borr not given copy of final/app, closing docs Yes Missing evidence borrower was given copy of final/app, closing docs (No Data) (No Data) (No Data) Not Applicable Complete
419A2EA6-4599-4193-A9A9-179649822500 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Texas Home Equity Active D D D D CMPTXHE308 Voluntary Same-Lender Debt disclosure not provided to borrower Yes Missing voluntary same lender debt disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CAF831EB-B246-444F-AE92-6AA7A53BAE44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
CAF831EB-B246-444F-AE92-6AA7A53BAE44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
C0AB0187-A0B0-4790-BBBA-DD2CCCCCE23B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.766 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 3.046 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
C0AB0187-A0B0-4790-BBBA-DD2CCCCCE23B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lender Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
C0AB0187-A0B0-4790-BBBA-DD2CCCCCE23B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
EE4FCDF3-D34C-4A68-B495-779DB71A7D69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
AD6BDA1F-2A28-4E97-9CE7-1C3487941DE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
AD6BDA1F-2A28-4E97-9CE7-1C3487941DE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charges understated $XXX. Lender's itemization of amounts financed is missing, unable to reconcile with documentation provided. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AD6BDA1F-2A28-4E97-9CE7-1C3487941DE8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
161F9E27-2B34-4BF6-9F0A-3C4F81B2712B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR expiration date is 11/XX/2007 - HUD-1 Disbursement date is 11/XX/2007. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B53050F3-DC2C-425D-9DB8-959C9FA8F9EA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
49BAC4DF-7D8C-4947-BD23-1D6B35053223 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable A A A A                               Complete
7F0E9245-261F-483F-9C54-7A9E556D4BBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL is missing borrower's signature. (No Data) (No Data) (No Data) Not Applicable Complete
7F0E9245-261F-483F-9C54-7A9E556D4BBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
7F0E9245-261F-483F-9C54-7A9E556D4BBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active C C C C CMPSTCP1765 CT Home Loan - Aggregate Prepaid Finance Charges Exceed CT same lender refi limits Yes Prepaid finance charges total at $XXX; exceeds max of $XXX. (No Data) (No Data) (No Data) Not Applicable Complete
7F0E9245-261F-483F-9C54-7A9E556D4BBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active D D D D CMPSTCP1763 CT Home Loan - Prior Loan HUD 1 Missing, unable to accurately evaluate CT same lender refi limits Yes Missing Prior HUD-1's. 9/XX/2018 - HUD-1 provided is for subject transaction. Prior loan HUD-1 needed. 9/XX/2018 - Exception remains. (No Data) Not Applicable Complete
10AB7251-2771-496A-91F4-24F0B883C284 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
10AB7251-2771-496A-91F4-24F0B883C284 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
10AB7251-2771-496A-91F4-24F0B883C284 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
10AB7251-2771-496A-91F4-24F0B883C284 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
10AB7251-2771-496A-91F4-24F0B883C284 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
6D540080-DCC2-41DC-AA55-3405F8E584BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6D540080-DCC2-41DC-AA55-3405F8E584BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6D540080-DCC2-41DC-AA55-3405F8E584BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6D540080-DCC2-41DC-AA55-3405F8E584BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
6D540080-DCC2-41DC-AA55-3405F8E584BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
6D540080-DCC2-41DC-AA55-3405F8E584BA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing Right of Rescission (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
B3499D74-BFA2-4478-A39D-10439D9B79D2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX DE (No Data) ATR/QM: Not Applicable A A A A                               Complete
235FA149-002C-4F99-A550-1E2264987802 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP2105 TILA - Cannot determine the delivery date of the Final TIL No Final TIL is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
235FA149-002C-4F99-A550-1E2264987802 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL is not executed. (No Data) (No Data) (No Data) Not Applicable Complete
235FA149-002C-4F99-A550-1E2264987802 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
235FA149-002C-4F99-A550-1E2264987802 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Final TIL is not dated. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
235FA149-002C-4F99-A550-1E2264987802 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
B1D5079E-D2BA-4224-ACBF-8304094904FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Incomplete HUD-1 in file- Indicated as final, the HUD-1 is not signed by the borrower or signed/certified by the settlement agent. Fees captured for testing. (No Data) (No Data) (No Data) Not Applicable Complete
82E9F748-E278-450B-AA35-FCF4CD9855BB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable A A A A                               Complete
4B074D72-80CF-49F2-94E6-9ABEB1961FB8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable A A A A                               Complete
BE361A67-5BAC-40B6-B146-BB4C69B3B185 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure dated 8/XX/2003; Application date is 07/XX/2003. (No Data) (No Data) (No Data) Not Applicable Complete
8946EC86-24F0-4B81-B81E-8E5288583217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2F0569DB-3128-43C8-8787-D39F5F93D2C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing ARM Rider. (No Data) (No Data) (No Data) Not Applicable Complete
2F0569DB-3128-43C8-8787-D39F5F93D2C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
2F0569DB-3128-43C8-8787-D39F5F93D2C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2F0569DB-3128-43C8-8787-D39F5F93D2C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2F0569DB-3128-43C8-8787-D39F5F93D2C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2F0569DB-3128-43C8-8787-D39F5F93D2C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
2F0569DB-3128-43C8-8787-D39F5F93D2C2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing ROR. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB515F0D-A335-46FA-9109-41AC638F6C21 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination due to loan does not meet AUS requirements. DU lists gift funds of $XXX. Gift letter in file is for $XXX. Evidence of transfer of gift of $XXX for earnest money deposit in file. No evidence of transfer of gift funds of $XXX. These funds are required for closing, as funds to close are $XXX. 5/XX/2019- Client uploaded proof of gift funds, transfer, and deposit as required. 5/XX/2019- Exception satisfied (No Data) Not Applicable Complete
AB515F0D-A335-46FA-9109-41AC638F6C21 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors No TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to loan does not meet AUS requirements. DU lists gift funds of $XXX. Gift letter in file is for $XXX. Evidence of transfer of gift of $XXX for earnest money deposit in file. No evidence of transfer of gift funds of $XXX. These funds are required for closing, as funds to close are $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB515F0D-A335-46FA-9109-41AC638F6C21 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM2978 TILA - Lender's documentation does not meet Appendix Q guidelines. No TILA - Lender's documentation does not meet Appendix Q guidelines due to loan does not meet AUS requirements. DU lists gift funds of $XXX. Gift letter in file is for $XXX. Evidence of transfer of gift of $XXX for earnest money deposit in file. No evidence of transfer of gift funds of $XXX. These funds are required for closing, as funds to close are $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
AB515F0D-A335-46FA-9109-41AC638F6C21 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH D D D D Compliance Documentation Active D D D D CMPDOC3274 Mortgage/Deed in file is incomplete Yes Mortgage/Deed in file is incomplete - missing several pages including borrower's signature and notary pages. 5/XX/2019- Nothing provided in upload to satisfy exception 5/XX/2019- Exception remains (No Data) Not Applicable Complete
192F107E-8E12-4033-A067-A0C3B0BBC547 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AR QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C C C C Compliance Documentation Active C C C C CMPDOC2698 Missing required mortgage insurance certificate Yes Missing Loan Note Guarantee (No Data) (No Data) (No Data) Not Applicable Complete
192F107E-8E12-4033-A067-A0C3B0BBC547 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AR QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Loan originator name on file docs has first, middle initial, and last name which doesnt match the NMLS or any variations listed. NMLS includes the full middle name and no middle name. Can tie name to ID (No Data) (No Data) (No Data) Not Applicable Complete
C6AB3C6F-AC33-4B23-A0CC-D13591A17B1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active C B C B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing Mortgage Insurance Certificate (No Data) Tape indicates loan is no longer insured, final grade B (No Data) Not Applicable Complete
C6AB3C6F-AC33-4B23-A0CC-D13591A17B1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP1663 TILA - Early TIL not delivered within 3 business days of application No Early TIL delivered on 9/XX/2015 not delivered within 3 business days of application on 7/XX/2015 (No Data) (No Data) (No Data) Not Applicable Complete
C6AB3C6F-AC33-4B23-A0CC-D13591A17B1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP1683 TILA - Closing occurred prior to end of waiting period No Earliest closing 7/XX/2015, loan closed on 9/XX/15. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C6AB3C6F-AC33-4B23-A0CC-D13591A17B1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B C B Compliance RESPA Active B B B B CMPRESPA2700 RESPA - List of homeowners counseling organizations not provided w/in 3 days of application No List of homeowners counseling organizations dated 8/XX/2015 not provided w/in 3 days of application 7/XX/2015 (No Data) (No Data) (No Data) Not Applicable Complete
C6AB3C6F-AC33-4B23-A0CC-D13591A17B1D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH C B C B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 7/XX/2015 given after 3 days from application dated 7/XX/2015 (No Data) (No Data) (No Data) Not Applicable Complete
F04848C1-EC29-488F-80A6-183621847514 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Missing VVOE's for b1 and b2, as required per DU. (No Data) (No Data) (No Data) Not Applicable Complete
F04848C1-EC29-488F-80A6-183621847514 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination Yes Missing lender's ATR/QM status determination. (No Data) (No Data) (No Data) Not Applicable Complete
F04848C1-EC29-488F-80A6-183621847514 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TN ATR/QM: Not Provided ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No File docs reflect a first and last name; NMLS registry reflects a middle name. (No Data) (No Data) (No Data) Not Applicable Complete
5CE3262D-A56F-4782-8F0D-280CC1F840F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan is NON QM Lender did not document all ATR UW Factors, missing Asset verification for $45,000 in Net Equity. (No Data) (No Data) (No Data) Not Applicable Complete
5CE3262D-A56F-4782-8F0D-280CC1F840F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM4647 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a different status than the Lender's status determination Yes Lenders Status determination is QM XXX, review status Loan is NON QM Lender did not document all ATR UW Factors, missing Asset verification for $45,000 in Net Equity. (No Data) (No Data) (No Data) Not Applicable Complete
5CE3262D-A56F-4782-8F0D-280CC1F840F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE Issued 07/XX/20017-1, 08/XX/2017-1 and 08/XX/2017-1, were E-signed. Provide E-sign Consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5CE3262D-A56F-4782-8F0D-280CC1F840F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors D C D C Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD Issued 08/XX/2017-1 and 08/XX/2017-1 were E-signed. Provide E-sign Consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F19AEE91-374A-432D-8FB4-B342CF00F073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI cert. (No Data) 10/XX/2018 - Loan is not insured per tape, final grade B (No Data) Not Applicable Complete
F19AEE91-374A-432D-8FB4-B342CF00F073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance State Consumer Protection Active B B B B CMPSTCP1161 SC Home Loans - Designated Agency Disclosure not dated within 3 days of Broker App Date No SC Home Loans - Designated Agency Disclosure not dated within 3 days of Broker App Date 6/XX/2016. (No Data) (No Data) (No Data) Not Applicable Complete
F19AEE91-374A-432D-8FB4-B342CF00F073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE No Final LE 9/XX/16 Calculating Cash to Close Table does not match figures on Final CD 10/XX/16 Calculating Cash to Close Table (Loan Estimate column) . Total Closing Costs (J), Deposit, and Estimated Cash to Close figures do not match. (No Data) (No Data) Non-Numeric Not Applicable Complete
F19AEE91-374A-432D-8FB4-B342CF00F073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No 1. CD: 10/XX/16 and 10/XX/16 Other Costs Section E: Recording Fee does not itemize whether fees are from Mortgage or Deed.2. CD: 10/XX/16 Projected Payments Section: The Estimated Taxes, Insurance & Assessments, Field: Other is checked; however the Lender did not identify what the Other was for. (No Data) (No Data) Hybrid Not Applicable Complete
F19AEE91-374A-432D-8FB4-B342CF00F073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Missing evidence of change of circumstance letter or a copy of a refundable check in the amount of $5907.07 for lender credits for zero percent tolerance fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F19AEE91-374A-432D-8FB4-B342CF00F073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3750 TRID - Error #10 discovered on Closing Disclosure No 1. CD: 10/XX/16 Loan Costs Section B: Credit report and flood cert are missing payees. Final CD 10/19/16 canceled the issue.2. CD: 10/XX/16 Loan Costs Section C: All title fees are missing payees. Final CD 10/19/16 canceled the issue.3. CD: 10/XX/16 Calculating Cash to Close Section: Field: Adjustments and Other Credits values changed. However no explanation was provided. Final CD 10/XX/16 canceled the issue.4. CD 10/XX/2016 and Final CD 10/XX/2016, Other Cost Section E Recording Fees are missing itemization. (No Data) (No Data) (No Data) Not Applicable Complete
F19AEE91-374A-432D-8FB4-B342CF00F073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Missing e consent (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F19AEE91-374A-432D-8FB4-B342CF00F073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID4214 TRID - Loan Estimate: An LE is missing at least one required data point No LE: 6/XX/16 and 9/XX/16 NMLS and Contact Information Section: Lender's information is missing. CD 10/XX/16 satisfied the issue. (No Data) (No Data) Hybrid Not Applicable Complete
5367BDC8-663F-473C-B898-427B6FB6F0B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes Missing seller side of HUD1; HUD used only had borrower side fees listed. (No Data) (No Data) (No Data) Not Applicable Complete
5367BDC8-663F-473C-B898-427B6FB6F0B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing MI cert (No Data) (No Data) (No Data) Not Applicable Complete
5367BDC8-663F-473C-B898-427B6FB6F0B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.423 - HMDA Benchmark Rate 4.350 = HMDA Benchmark/APR Variance 3.073 which exceeds the max HMDA Rate Spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
5367BDC8-663F-473C-B898-427B6FB6F0B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
5367BDC8-663F-473C-B898-427B6FB6F0B2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance State Consumer Protection Active B B B B CMPSTCP1537 MN No acknowledgement of Oral Tax/Insurance Disclosure in file No Missing Oral Tax/Insurance Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
91D00B49-E6B5-4B01-A615-F5010F14E314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
91D00B49-E6B5-4B01-A615-F5010F14E314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Loan Disclosure not dated. (No Data) (No Data) (No Data) Not Applicable Complete
91D00B49-E6B5-4B01-A615-F5010F14E314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active B B B B CMPTILA3202 TILA - HELOC Early Disclosure; cannot determine if provided timely No ARM Loan Disclosure not dated. (No Data) (No Data) (No Data) Not Applicable Complete
91D00B49-E6B5-4B01-A615-F5010F14E314 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No HELOC Early Disclosure Incomplete, missing page 2 and signatures (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
743211A0-24B7-491F-B01A-8C9AF9EBC7F5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP319 TILA - Balloon Payment Not Disclosed No System calculated payment results in a balloon payment of $3137.19. (No Data) (No Data) (No Data) Not Applicable Complete
743211A0-24B7-491F-B01A-8C9AF9EBC7F5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance charge understated by $XXX due to payment stream. Lender's payment stream is 359 at $1414.64 and 1 payment of $1419.30 for a total of $509,275.06 versus calculated payment stream of 359 months at $1414.64 and 1 payment of $3137.19 for a total of 510,992.95 for a difference of $1717.89. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3DBF6B48-4AFD-449A-9F7F-E04ECF4E1398 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to confirm delivery. (No Data) (No Data) (No Data) Not Applicable Complete
C1D63A2E-4932-473E-95BF-BF727CB01287 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is signed, but is not hand-dated by the borrower. Unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
93523643-BB28-4C70-AE0F-F8ED4E17CE3A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.784 HMDA Benchmark Rate 4.720 HMDA Benchmark/APR Variance 3.064 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
93523643-BB28-4C70-AE0F-F8ED4E17CE3A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower. Unable to confirm delivery. (No Data) (No Data) (No Data) Not Applicable Complete
93523643-BB28-4C70-AE0F-F8ED4E17CE3A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP318 TILA - TIL 1st payment date does not match Note 1st payment date No 1st payment date per Note is 10/XX/2007, 1st payment per TIL is 11/XX/2007. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
88B8609A-9163-45C8-8A36-847051ACB4B0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance TILA Active D B D B CMPTILA3192 TILA - HELOC Early Disclosure Missing or Incomplete No Missing HELOC Early Disclosure (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage. (No Data) (No Data) (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active N/A D N/A D CMPDOC4027 Incomplete file - unable to test Yes Missing any/all required origination documents, unable to test. Additionally unable to verify lien position and property type. (No Data) (No Data) (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
55916975-C444-4953-A655-E66611E66FF1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD 1/1A Settlement Statement, unable to capture fees. (No Data) (No Data) (No Data) Not Applicable Complete
0EB6424A-F4FB-43CA-A496-CAFCD8466EFC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
DA3C1E3A-0033-4A81-B71D-66E855BB2CF5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA (No Data) ATR/QM: Not Applicable B B B B Compliance State Late Charges Active B B B B CMPSLC1201 Late Charges - Unable to Calculate Maximum Payment subject to late charge No Late Charges - Unable to Calculate Maximum Payment subject to late charge (No Data) (No Data) (No Data) Not Applicable Complete
55670B90-B85A-4027-8999-0CBA1515E241 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active A B A B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.257% with HMDA Benchmark Rate of 4.880% causing variance of 4.377% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
55670B90-B85A-4027-8999-0CBA1515E241 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No Application date of 06/XX/2007, TIL in file Dated 06/XX/2007. Lender's Initial TIL not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
55670B90-B85A-4027-8999-0CBA1515E241 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application date of 06/XX/2007, GFE in file Dated 06/XX/2007. Lender GFE not received within 3 days of application. (No Data) (No Data) (No Data) Not Applicable Complete
DAA7195B-D821-4BA1-89BD-087454C2C989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing Application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DAA7195B-D821-4BA1-89BD-087454C2C989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title. (No Data) (No Data) (No Data) Not Applicable Complete
DAA7195B-D821-4BA1-89BD-087454C2C989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
DAA7195B-D821-4BA1-89BD-087454C2C989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
DAA7195B-D821-4BA1-89BD-087454C2C989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DAA7195B-D821-4BA1-89BD-087454C2C989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
DAA7195B-D821-4BA1-89BD-087454C2C989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
DAA7195B-D821-4BA1-89BD-087454C2C989 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD. (No Data) (No Data) (No Data) Not Applicable Complete
AE729F6F-EC5A-44D9-B8E5-97738C242E1F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX VA (No Data) ATR/QM: Not Applicable A A A A                               Complete
3FB1EFF0-CDEE-4037-841C-03CE86206304 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
EDE3C64A-4DDB-444C-9062-2CFEB23EFB94 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.074% with HMDA Benchmark Rate of 4.690% causing variance of 3.384% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
EDE3C64A-4DDB-444C-9062-2CFEB23EFB94 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure dated 11/XX/06 is more than 3 days after application date 11/XX/06 (No Data) (No Data) (No Data) Not Applicable Complete
EDE3C64A-4DDB-444C-9062-2CFEB23EFB94 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.The property securing this loan is in the 3rd Circuit. In 1992 the U.S. Court of Appeals, 3rd Circuit held that the use of an H-8 rescission form in a same-creditor refinance provides insufficient notice and extends the right to rescind. This decision has not been overturned. (No Data) (No Data) (No Data) Not Applicable Complete
3631F937-DAC8-4CB5-8462-F66FC976CB42 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM disclosure in file unsigned; no date distributed listed on document (No Data) (No Data) (No Data) Not Applicable Complete
3631F937-DAC8-4CB5-8462-F66FC976CB42 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Right of Rescission Active B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. XXXX view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but XXX recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, XXX grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. (No Data) (No Data) (No Data) Not Applicable Complete
AB4556B4-D79C-4C1B-AD8F-49DAE305CF10 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
62CF1E78-7E49-4744-8205-7A4F037EA25F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
62CF1E78-7E49-4744-8205-7A4F037EA25F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
62CF1E78-7E49-4744-8205-7A4F037EA25F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No Application Date: 10/XX/2004 and GFE Date Delivered: 10/XX/2004 therefore GFE not given 3 days from application (No Data) (No Data) (No Data) Not Applicable Complete
D510286A-2982-4CF1-8F08-E99AFC283DBB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
C71C518A-8B8E-4AF5-93F8-DD9B8D94B534 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
C71C518A-8B8E-4AF5-93F8-DD9B8D94B534 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No Sum of scheduled pmts not equal to Total of Payments , construction perm financing and TIL does not take interest only period into effect. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7441F07F-6259-4E30-AA2A-A7543EFDCEA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
7441F07F-6259-4E30-AA2A-A7543EFDCEA6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM disclosure (No Data) (No Data) (No Data) Not Applicable Complete
109237C9-61C9-420E-9B1D-50C0E682665D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
109237C9-61C9-420E-9B1D-50C0E682665D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No ROR form is H9 (lender to lender), transaction is not a lender to lender refinance. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A7761053-D998-4A6B-A1CA-B32F6819AADC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
57DEC019-998C-498A-8068-CBFAD25EDE4B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable A A A A                               Complete
4004D9B0-4D80-4BBF-B456-CAF71AEC9BFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4004D9B0-4D80-4BBF-B456-CAF71AEC9BFD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
47DBC07C-9CAD-4F3A-BCB6-3D3B6F4F51C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable A A A A                               Complete
23E3417B-E6E8-489F-8D45-91A896BFFCEE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A B A B Compliance Federal Consumer Protection Active N/A B N/A B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Total of Payments is $XXX versus Total Payments as Calculated of $XXX. Loan is construction to perm. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F53D4FB6-237B-4B15-9EAA-7267B5B3A0B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
B0A94475-5696-48C5-AE7A-BD643ED3D050 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
B961593C-7FD5-401E-8A2F-6103E1607A51 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
EE8E2B4E-FD62-46A7-9698-8B9279656F86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL signed by borrower, dated 7/XX/2003, borrower did not date (No Data) (No Data) (No Data) Not Applicable Complete
EE8E2B4E-FD62-46A7-9698-8B9279656F86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
664C82D4-74DB-47B8-AE88-3E6E73A46142 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1819 Estimated HUD-1 in File, Missing Final HUD-1 Yes Estimated HUD-1 in File, Missing Final HUD-1 HUD in file is not signed by borrower or stamped by closing agent. Fees captured from estimate. (No Data) (No Data) (No Data) Not Applicable Complete
664C82D4-74DB-47B8-AE88-3E6E73A46142 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
664C82D4-74DB-47B8-AE88-3E6E73A46142 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Disclosure is undated. Cannot determine if ARM Program Disclosure was provided in a timely manner (No Data) (No Data) (No Data) Not Applicable Complete
664C82D4-74DB-47B8-AE88-3E6E73A46142 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
0D1296AD-5A4D-4006-A982-6F657917791A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
1DCCE7A8-B9E3-41B2-A34C-05DDBD74BC9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
1DCCE7A8-B9E3-41B2-A34C-05DDBD74BC9B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor, H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
403D3640-41DF-4F1D-A900-6A756EEF4321 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
4773F6A7-6326-429C-9514-B460CCAC08D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by the borrowers, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
4773F6A7-6326-429C-9514-B460CCAC08D9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
96F27298-314E-4826-9D18-8D6E04D6184B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
285B3B66-9338-4AB3-AFDD-FD3BC62D21FA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR1911 Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor No H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2592625F-2CF0-4724-9B42-5C24CCECC9EE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable A A A A                               Complete
7A574310-9F4C-4748-A896-2D46A360D70E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrowers. (No Data) (No Data) (No Data) Not Applicable Complete
7A574310-9F4C-4748-A896-2D46A360D70E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
7A574310-9F4C-4748-A896-2D46A360D70E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No The finance charges are understated by $XXX which exceeds the maximum allowed of $XXX. Unable to determine the source of the understatement due to missing the TIL itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
C59FED71-9FBB-4E6D-8880-1254F609CB84 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
EAA36980-CF64-4A83-A886-80826B5833E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC1817 Final HUD-1 is incomplete or illegible Yes HUD provided is sellers side only. Although seller paid all closing costs considered HUD incomplete because of missing borrower signatures. (No Data) (No Data) (No Data) Not Applicable Complete
EAA36980-CF64-4A83-A886-80826B5833E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by borrower, unable to confirm timely delivery (No Data) (No Data) (No Data) Not Applicable Complete
EAA36980-CF64-4A83-A886-80826B5833E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Cannot determine if ARM Program Disclosure was provided in a timely manner. ARM disclosure is not dated. (No Data) (No Data) (No Data) Not Applicable Complete
87F5D40C-6D4E-4288-BEC8-96A214F862B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No ARM Program Disclosure is not dated, unable to confirm timely delivery. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D1B2E82D-3C26-48B8-AFC6-5AC5A359D266 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
D1B2E82D-3C26-48B8-AFC6-5AC5A359D266 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3254 TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner No Cannot determine if ARM Program Disclosure was provided in a timely manner as it is note dated. (No Data) (No Data) (No Data) Not Applicable Complete
D1B2E82D-3C26-48B8-AFC6-5AC5A359D266 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No $XXX finance charge per final TIL is understated by $XXX from $XXX XXX Pay-stream. Unable to determine reason as TIL itemization is not in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
1456B476-447A-421C-A87E-F05DBDC58745 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable A A A A                               Complete
62C0F579-1757-4550-939D-2394C5790FF3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
D4D76B2E-B2BB-4FEE-AB3A-A53AED58118F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX KS (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
9D648D24-6EE9-4F97-9A84-5A0BF391CE48 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final TIL disclosed finance charges of $XXX, per XXX pay stream calculations, finance charges are $XXX, resulting in understated finance charges of $XXX. Unable to determine source of understatement, missing TIL Itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93014B81-8A1F-4C60-ABE3-323E5BE707C1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by the borrower, unable to confirm timely delivery. (No Data) (No Data) (No Data) Not Applicable Complete
742FFA3C-BC19-4303-9FDD-FD988249FA48 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM Loan Program Disclosure dated 12/XX/2008; Application date is 11/XX/2008. (No Data) (No Data) (No Data) Not Applicable Complete
186E489E-4D70-415C-9D71-144E196F03AA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable A A A A                               Complete
80043F36-EA87-49BB-A15F-92603C7BFFD6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IN (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
611FD7BF-7F95-42E6-ADE2-A52EC4F19CF5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E05A38F6-6CD1-4BBA-9F0D-78056CF910CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
E05A38F6-6CD1-4BBA-9F0D-78056CF910CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA876 Settlement agent did not prepare a revised HUD-1 showing the correct charges No Fees subject to 10% tolerance are $XXX greater on HUD-1 than on GFE. HUD fees are $XXX versus GFE of $XXX. No evidence of refund/revised HUD-1 in file. (No Data) (No Data) (No Data) Not Applicable Complete
E05A38F6-6CD1-4BBA-9F0D-78056CF910CB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active C B C B CMPRESPA2840 RESPA-Fee subject to 10% tolerance is greater on HUD than on GFE; no evidence of refund in the file No Fees subject to 10% tolerance are $490.58 greater on HUD-1 than on GFE. HUD fees are $XXX versus GFE of $XXX. No evidence of refund/revised HUD-1 in file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5A79E195-9D36-4ACB-8D33-2578292A47A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Required ARM Loan Program Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
5A79E195-9D36-4ACB-8D33-2578292A47A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C C C C CMPFDCP3204 NMLS License verification found no results for Loan Originator Yes Originator and Institution NMLS numbers are not stated in file, unable to determine (No Data) (No Data) (No Data) Not Applicable Complete
5A79E195-9D36-4ACB-8D33-2578292A47A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early/Initial TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5A79E195-9D36-4ACB-8D33-2578292A47A9 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6BAB1710-51FA-4B01-B40F-2112A52C44B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Early TIL from file. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6BAB1710-51FA-4B01-B40F-2112A52C44B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5C09969E-64FB-40C5-BFE5-545AA240A9C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5C09969E-64FB-40C5-BFE5-545AA240A9C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing Initial/Early TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5C09969E-64FB-40C5-BFE5-545AA240A9C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance Repayment Ability Active B B B B CMPSTRA1499 MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst No Missing MN Home Loan - Repayment Ability Worksheet is Not in File - Fed Inst. (No Data) (No Data) (No Data) Not Applicable Complete
5C09969E-64FB-40C5-BFE5-545AA240A9C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5C09969E-64FB-40C5-BFE5-545AA240A9C7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable D B D B Compliance State Consumer Protection Active B B B B CMPSTCP1539 MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst No Missing MN Home Loan-Acknowledgement of Oral Tax/Insurance Disclosure Not in File - Fed Inst. (No Data) (No Data) (No Data) Not Applicable Complete
2639347D-FF6C-4556-986A-FC3E6A3EAE49 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT109 Finance charge understated by more than $35 (Pmt Stream) No The finance charges are understated by $XXX which exceeds the maximum allowed of $XXX. Unable to determine the source of the understatement due to missing the TIL itemization. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BBC5A147-5092-4BBC-84B9-B3B8582F7B86 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL is not hand dated by borrower. (No Data) (No Data) (No Data) Not Applicable Complete
0DA9A24E-EE5A-40EF-AF61-5FF6D498F711 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 2/XX/2006 Test APR 8.221 HMDA Benchmark Rate 4.780 HMDA Benchmark/APR Variance 3.441 HMDA Rate Spread Trigger 3.0000% (No Data) (No Data) (No Data) Not Applicable Complete
0DA9A24E-EE5A-40EF-AF61-5FF6D498F711 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Lender initial TIL (No Data) (No Data) (No Data) Not Applicable Complete
83B83B40-489B-4917-A507-5CCBF3A96BBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No ARM Disclosure is missing from the file. (No Data) (No Data) (No Data) Not Applicable Complete
83B83B40-489B-4917-A507-5CCBF3A96BBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active C B C B CMPFDCP315 TILA - Sum of scheduled pmts not equal to Total of Payments No TIL Total of Payments: $XXX versus Total Payments as Calculated: $XXX. Loan is construction to perm. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
83B83B40-489B-4917-A507-5CCBF3A96BBD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable C B C B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing initial GFE (No Data) (No Data) (No Data) Not Applicable Complete
DD86A518-27C2-46BC-A3B9-8823B385A531 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC225 Missing Rider Yes Missing balloon rider. (No Data) (No Data) (No Data) Not Applicable Complete
DD86A518-27C2-46BC-A3B9-8823B385A531 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP320 TILA - Prepay not disclosed on TIL No Prepay not disclosed on TIL. PPP expired (No Data) (No Data) (No Data) Not Applicable Complete
CAC2F1E4-E936-49E6-A9B0-F791FDDE906E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE is dated 8/XX/2002, application date is 8/XX/2002. GFE was given after 3 days from application. (No Data) (No Data) (No Data) Not Applicable Complete
8C384615-555F-4351-8FAC-57CD56ECFE56 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP302 PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed No State law prohibits PPP on L-to-L refinance. (No Data) (No Data) (No Data) Not Applicable Complete
8C384615-555F-4351-8FAC-57CD56ECFE56 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance State Prepayment Penalty Active B B B B CMPSTPP303 PPP - State law prohibits PPP if paid by insurance proceeds; provision not disclosed No State law prohibits PPP if paid by insurance proceeds. (No Data) (No Data) (No Data) Not Applicable Complete
9D520112-E16F-4A56-8742-3137E074F0FD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No HMDA Benchmark Date 5/XX/2007 Test APR 8.011 HMDA Benchmark Rate 4.710 HMDA Benchmark/APR Variance 3.301 HMDA Rate Spread Trigger 3.0000% Violates Federal Rate Spread threshold? Yes (No Data) (No Data) (No Data) Not Applicable Complete
8EE20C6B-1014-4174-8A06-3BED059B7E19 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing required ARM disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
CC861E19-9783-4268-AD05-3FB04DA8E432 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Required ARM Loan Program Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
75554C5E-3720-42FE-9A1C-C86A208EABFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OH (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.319%; HMDA Benchmark rate 4.090%. Variance of 3.229% exceeds 3.000% trigger. (No Data) (No Data) (No Data) Not Applicable Complete
38261E6F-6ED0-4891-935F-43544BFEB738 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No The test APR is 9.961%, the benchmark APR is 4.54% which results in a difference of 5.421% which exceeds the maximum allowed of 3.0%. (No Data) (No Data) (No Data) Not Applicable Complete
38261E6F-6ED0-4891-935F-43544BFEB738 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1531 MN Home Loan-Prohibited Prepayment Penalty - Fed Inst No 3%, 2%, 1% of OPB in year 1,2,3 PPP is a prohibited Prepayment Penalty - Fed Inst.PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
38261E6F-6ED0-4891-935F-43544BFEB738 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1535 MN Home Loan-Prepayment Penalty Exceeds Maximum Allowed - Fed Inst No 3%, 2%, 1% of OPB in year 1,2,3 PPP Exceeds Maximum Allowed - Fed Inst.PPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
38261E6F-6ED0-4891-935F-43544BFEB738 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1551 MN Home Loan- Initial Prepayment Penalty Disclosure not in file - Fed Inst No Missing MN Home Loan- Initial Prepayment Penalty Disclosure - Fed InstPPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
38261E6F-6ED0-4891-935F-43544BFEB738 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Consumer Protection Active B B B B CMPSTCP1573 MN Home Loan- Final Prepayment Penalty Disclosure not in file - Fed Inst No Missing MN Home Loan- Final Prepayment Penalty Disclosure - Fed InstPPP is expired. (No Data) (No Data) (No Data) Not Applicable Complete
38261E6F-6ED0-4891-935F-43544BFEB738 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP107 PPP - Prepayment penalty exceeds maximum allowed (months interest) No In months 1 through 24, the Note penalty of 3% (months 1-12) and 2% (months 13-24) exceeds the state max penalty of 1.575%. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
68D3D7A5-FBA1-408B-B2C4-23E9B4FC0E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing Arm Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
68D3D7A5-FBA1-408B-B2C4-23E9B4FC0E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active C C C C CMPFDCP3204 NMLS License verification found no results for Loan Originator Yes NMLS License verification found no results for Loan Originator (No Data) (No Data) (No Data) Not Applicable Complete
68D3D7A5-FBA1-408B-B2C4-23E9B4FC0E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D C D C Compliance Federal Consumer Protection Active D B D B CMPFDCP1661 TILA - Early TIL not in file No Missing initial TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
68D3D7A5-FBA1-408B-B2C4-23E9B4FC0E0B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI (No Data) ATR/QM: Not Applicable D C D C Compliance RESPA Active D B D B CMPRESPA1805 RESPA - Missing Good Faith Estimate No Missing GFE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
EC054CA3-B059-45F6-B1B2-513C445AFF53 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: GSE Temporary - QM/SH QM: GSE Temporary - QM/SH A A A A                               Complete
6738D59C-A738-43E2-94DD-58313E5341F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing MI cert. Per data tape, this loan is not insured. Final grade B. (No Data) (No Data) (No Data) Not Applicable Complete
6738D59C-A738-43E2-94DD-58313E5341F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Middle initial not shown on loan docs, all aliases have middle initial (No Data) (No Data) (No Data) Not Applicable Complete
A9AE38F9-5948-43B5-9AF1-4C5D757D6AC4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 10.591% with benchmark rate 4.75% causing variance 5.841% which exceeds 3.00% rate spread trigger. (No Data) (No Data) (No Data) Not Applicable Complete
793873EA-DBF8-439F-8AA9-84906FF9A07F XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 11.015%, HMDA Benchmark Rate 4.860%, HMDA Benchmark/APR Variance 6.155%, HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
A7216CF0-B720-46E3-9CBC-D4B90ECC05E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Documentation Active D B D B CMPDOC3280 One or more Applications in file are incomplete No Missing page 4 of the application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A7216CF0-B720-46E3-9CBC-D4B90ECC05E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
A7216CF0-B720-46E3-9CBC-D4B90ECC05E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A7216CF0-B720-46E3-9CBC-D4B90ECC05E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NY (No Data) ATR/QM: Not Applicable D B D B Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
13F19D85-D499-49D9-A59B-1CD8C946F172 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CT (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 7.388%; HMDA benchmark rate 4.350%. APR variance of 3.038% exceeds 3.000% threshold. (No Data) (No Data) (No Data) Not Applicable Complete
91C78048-1D24-4349-9D07-C93DF1D29A5E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NV (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
7DC77227-FE66-4731-91DD-BBF8E30A7460 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7DC77227-FE66-4731-91DD-BBF8E30A7460 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
7DC77227-FE66-4731-91DD-BBF8E30A7460 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7DC77227-FE66-4731-91DD-BBF8E30A7460 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
7DC77227-FE66-4731-91DD-BBF8E30A7460 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
7DC77227-FE66-4731-91DD-BBF8E30A7460 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. (No Data) (No Data) (No Data) Not Applicable Complete
2B52CFF3-F77F-4512-A969-9CCE667B40DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
2B52CFF3-F77F-4512-A969-9CCE667B40DE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
1BDBCFB4-E5C1-4244-836A-3C9956F35438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
1BDBCFB4-E5C1-4244-836A-3C9956F35438 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable C C C C Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No GFE dated 12/XX/07, application dated 8/XX/07. (No Data) (No Data) (No Data) Not Applicable Complete
3A086337-27B7-4F05-9270-6F821F4C1D3E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable D D D D Compliance APR Tolerance Active B B B B CMPAPRT110 APR - Insufficient Information for APR-Payment Stream Testing No Missing value & GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3A086337-27B7-4F05-9270-6F821F4C1D3E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert. (No Data) (No Data) (No Data) Not Applicable Complete
3A086337-27B7-4F05-9270-6F821F4C1D3E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Initial TIL. (No Data) (No Data) (No Data) Not Applicable Complete
3A086337-27B7-4F05-9270-6F821F4C1D3E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
3A086337-27B7-4F05-9270-6F821F4C1D3E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. 9/XX/18 - HUD-1 remedy. Attached is our XXX compliance review of the loan. This should not be an issue. 9/XX/18 - XXX compliance review of the loan IS not considered alternative to the Final HUD1 for applicable testing. Exception to remain at this time. (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Borrower's Interest Active C C C C CMPBI1604 SC Borrower Interest-not Clayton approved Yes Missing documentation to determine benefit of subject transaction to the borrower; HUD1, application, previous note, lender's benefit worksheet. 9/XX/18 - Disagree with SC violation. Attached is our XXX compliance review of the loan. This should not be an issue. 9/XX /18 - XXX compliance review of the loan not considered alternative to the cited missing documentation to determine SC benefit, exception to remain. (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 11.937% with HMDA Benchmark Rate of 4.930% causing variance of 7.007% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program Disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing final HUD-1. 9/XX/18 - HUD-1 remedy. Attached is our XXX compliance review of the loan. This should not be an issue. 9/XX/18 - XXX compliance review of the loan IS not considered alternative to the Final HUD1 for applicable testing. Exception to remain at this time. (No Data) Not Applicable Complete
BE9A5289-2D89-4AB3-9156-9DB84466AD41 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC (No Data) ATR/QM: Not Applicable D D D D Compliance Right of Rescission Active D B D B CMPROR113 ROR - Missing Right of Rescission form No Missing right of rescission form. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
55978B1E-34A4-4E20-BC9F-9057AE6C3412 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.202% with HMDA Benchmark Rate of 4.910% causing variance of 4.292% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
55978B1E-34A4-4E20-BC9F-9057AE6C3412 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 11/XX/2007; disbursement date per file 11/XX/2007. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
55978B1E-34A4-4E20-BC9F-9057AE6C3412 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 11/XX/2007; disbursement date per file 11/XX/2007 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
368A4445-FAE0-4F22-8861-F3A4DDA23022 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.016% with HMDA Benchmark Rate of 5.260% causing variance of 3.756% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
368A4445-FAE0-4F22-8861-F3A4DDA23022 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NM (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
FA0C9D23-E95B-43A4-A54D-69851A4D33CC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 8.352% with HMDA Benchmark Rate of 4.690% causing variance of 3.662% which exceeds HMDA Rate spread Trigger of 3.000%. (No Data) (No Data) (No Data) Not Applicable Complete
73E41B28-FA8E-4A9B-BB15-B766E3B38FCA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D D D D CMPDOC2698 Missing required mortgage insurance certificate Yes Missing fha MI cert. (No Data) (No Data) (No Data) Not Applicable Complete
73E41B28-FA8E-4A9B-BB15-B766E3B38FCA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not dated by the borrower. (No Data) (No Data) (No Data) Not Applicable Complete
73E41B28-FA8E-4A9B-BB15-B766E3B38FCA XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP847 TILA - ARM Loan Program Disclosure after 3 days from application No ARM disclosure dated 10/XX/2004; Application date is 10/XX/2004. (No Data) (No Data) (No Data) Not Applicable Complete
682A5830-6050-4C12-AAF9-DF13D2F8E5E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR 9.128 HMDA Benchmark Rate 5.000 HMDA Benchmark/APR Variance 4.128 HMDA Rate Spread Trigger 3.000 (No Data) (No Data) (No Data) Not Applicable Complete
682A5830-6050-4C12-AAF9-DF13D2F8E5E3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP106 PPP - Prepayment penalty exceeds maximum allowed (%) No Pre-Payment Penalty indicates that if the borrower prepays the balance in full in years 3, 2, 1, the borrower will pay 3%, 2%, 1% of the Unpaid Principal Balance. 3% PPP exceeds the max allowed of 2% Prepayment penalty exceeds the max allowed. PPP has expired. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5BA9FF20-DC63-4CBD-9CBC-2C63BC30B722 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.075% with HMDA Benchmark Rate of 4.76% causing variance of 4.315% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
5BA9FF20-DC63-4CBD-9CBC-2C63BC30B722 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing Early TIL. (No Data) (No Data) (No Data) Not Applicable Complete
5BA9FF20-DC63-4CBD-9CBC-2C63BC30B722 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM loan program disclosure. (No Data) (No Data) (No Data) Not Applicable Complete
5BA9FF20-DC63-4CBD-9CBC-2C63BC30B722 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE. (No Data) (No Data) (No Data) Not Applicable Complete
D56269BF-1CBA-40BB-AD0A-297A950D3B70 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP300 HMDA Rate Spread greater than threshold No Test APR of 9.159% with HMDA Benchmark Rate of 4.810% causing variance of 4.349% which exceeds HMDA Rate spread Trigger of 3.000. (No Data) (No Data) (No Data) Not Applicable Complete
A217E46A-799F-430D-BB27-5AE32292C56B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing initial TIL/ (No Data) (No Data) (No Data) Not Applicable Complete
A217E46A-799F-430D-BB27-5AE32292C56B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP849 TILA - Required ARM Loan Program Disclosure missing No Missing ARM Loan Program disclosure (No Data) (No Data) (No Data) Not Applicable Complete
A217E46A-799F-430D-BB27-5AE32292C56B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A217E46A-799F-430D-BB27-5AE32292C56B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing Final TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A217E46A-799F-430D-BB27-5AE32292C56B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing Final HUD1 (No Data) (No Data) (No Data) Not Applicable Complete
CF908687-C98B-48D7-97E1-100F2CF0EE9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active B B B B CMPROR118 ROR - Disbursement date is on/before disclosed "midnight of" date No ROR Expiration date of 06/XX/2005; disbursement date per file 05XX/2005. Borrower did not receive full mandatory rescission period prior to disbursement of funds. (No Data) (No Data) (No Data) Not Applicable Complete
CF908687-C98B-48D7-97E1-100F2CF0EE9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance Right of Rescission Active C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Expiration date of 06/XX/2005; disbursement date per file 05/XX/2005. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
CF908687-C98B-48D7-97E1-100F2CF0EE9A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA (No Data) ATR/QM: Not Applicable C B C B Compliance State Prepayment Penalty Active C B C B CMPSTPP1535 PPP - Prepayment penalty term exceeds state maximum No PPP addendum states, Prepayment penalty term of 60 months; State Statute requires maximum term of 36 months, there for exceeds maximum. Prepayment penalty expired 5/XX/2010 in 60 months. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
441FB950-2971-4F3C-94D7-C6AC2E623288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Missing FHA MI Cert (No Data) (No Data) (No Data) Not Applicable Complete
441FB950-2971-4F3C-94D7-C6AC2E623288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Documentation Active D B D B CMPDOC155 Application Missing No Missing application (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
441FB950-2971-4F3C-94D7-C6AC2E623288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active B B B B CMPFDCP307 TILA - Missing TIL at application No Missing TIL (No Data) (No Data) (No Data) Not Applicable Complete
441FB950-2971-4F3C-94D7-C6AC2E623288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active C B C B CMPFDCP316 TILA - Stated Loan Term not equal to the TIL Payment term No Missing TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
441FB950-2971-4F3C-94D7-C6AC2E623288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance Federal Consumer Protection Active D B D B CMPFDCP308 TILA - Missing TIL at closing No Missing TIL (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
441FB950-2971-4F3C-94D7-C6AC2E623288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active B B B B CMPRESPA3016 RESPA - GFE Not in File No Missing GFE (No Data) (No Data) (No Data) Not Applicable Complete
441FB950-2971-4F3C-94D7-C6AC2E623288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL (No Data) ATR/QM: Not Applicable D D D D Compliance RESPA Active D D D D CMPRESPA855 RESPA - Missing HUD 1/1A Settlement Statement Yes Missing HUD-1 (No Data) (No Data) (No Data) Not Applicable Complete
FA810BE9-6D8F-4E7C-830C-A676611D50A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP305 TILA - TIL discl. not made within 3 days of application No TIL Date of XXX and Application Date of XXX (No Data) (No Data) (No Data) Not Applicable Complete
FA810BE9-6D8F-4E7C-830C-A676611D50A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP309 TILA - Final TIL not Executed No Final TIL not signed or dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
FA810BE9-6D8F-4E7C-830C-A676611D50A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP314 TILA - Final TIL not dated, unable to confirm timely delivery No Final TIL not hand dated by borrower (No Data) (No Data) (No Data) Not Applicable Complete
FA810BE9-6D8F-4E7C-830C-A676611D50A3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable B B B B Compliance RESPA Active B B B B CMPRESPA845 RESPA - GFE given after 3 days from application No TIL Date of XXX and Application Date of XXX (No Data) (No Data) (No Data) Not Applicable Complete
0A98BDAC-D45D-480E-BD4A-CDF75047434E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MD (No Data) ATR/QM: Not Applicable C C C C Compliance Documentation Active C C C C CMPDOC2033 Mortgage Insurance required but MI Certificate is missing Yes Mortgage Insurance required but MI Certificate is missing (No Data) (No Data) (No Data) Not Applicable Complete
5B5CCE0D-7308-4F69-8089-FE625F2E79BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NJ (No Data) ATR/QM: Not Applicable A A A A                               Complete
FC30BDA4-7116-4A8E-B1E7-D1B5AEE95BAE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing Loan Guarantee Certificate. (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
FC30BDA4-7116-4A8E-B1E7-D1B5AEE95BAE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE: 06/XX/2018-1, LE: 07/XX/2018-1, Section: NMLS and Contact Information; Does not contain the State for the Loan Officer License information. Corrected on CD dated 8/XX/2018. Exception satisfied. (No Data) (No Data) (No Data) Not Applicable Complete
99E36824-04BC-4B3C-AAF1-1DA831E2C6AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor D D D D Compliance Documentation Active D D D D CMPDOC155 Application Missing Yes Final application is missing for Co-Borrower (No Data) (No Data) (No Data) Not Applicable Complete
99E36824-04BC-4B3C-AAF1-1DA831E2C6AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations (No Data) (No Data) (No Data) Not Applicable Complete
99E36824-04BC-4B3C-AAF1-1DA831E2C6AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
99E36824-04BC-4B3C-AAF1-1DA831E2C6AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4218 TRID - Costs at Closing and or Calculating Cash to Close tables are inconsistent across disclosures No CD 5-XX-17 used a Standard Calculating Cash to Close tables, CD 6-XX-17 used an Alternative Calculating Cash to Close tables. (No Data) (No Data) (No Data) Not Applicable Complete
99E36824-04BC-4B3C-AAF1-1DA831E2C6AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3564 TRID - There is at least one revised Loan Estimate or Closing Disclosure containing a change that is not documented or supported in the file No COC missing for Final CD 06/XX/2017 (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
99E36824-04BC-4B3C-AAF1-1DA831E2C6AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3494 TRID - Loan Estimate Missing No Loan Estimate is missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
99E36824-04BC-4B3C-AAF1-1DA831E2C6AC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No Missing Borrowers prior e-sign consent. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
8E2E5483-8B0D-4BA0-A292-63B57DF4863A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM Rebuttable Presumption 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
8E2E5483-8B0D-4BA0-A292-63B57DF4863A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CDs 5/XX/17 and 5/XX/15, Section Other Costs, Section E: Recording fees are not itemized. (No Data) (No Data) Hybrid Not Applicable Complete
8E2E5483-8B0D-4BA0-A292-63B57DF4863A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3846 TRID - CD: The Due from Borrower at Closing amount disclosed in the CD Summary of Transactions section does not equal its component parts No CD: 05/XX/2017-1, Section: Summaries of Transactions, Field: K. Due from Borrower at Closing - Total, Value is listed as $XXX and , Section: Summaries of Transactions, Field: K. Due from Borrower at Closing - Total Calculated per XXX equals $XXX. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric Not Applicable Complete
51675453-49B8-466A-B548-897308C9AC8E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL Non-QM: Lender documented all ATR UW factors QM: Rebuttable Presumption A B A B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM4821 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination. No NEW: Lender status is Non-QM: Lender documented all ATR UW factors, review status is QM: Rebuttable Presumption (No Data) (No Data) (No Data) Not Applicable Complete
D537EC9C-821F-4A90-BA13-58A1AAAF0328 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
D537EC9C-821F-4A90-BA13-58A1AAAF0328 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Recording Fees no itemized out on CD 5-XX-17. (No Data) (No Data) Hybrid Not Applicable Complete
D537EC9C-821F-4A90-BA13-58A1AAAF0328 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4350 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD 05/XX/2017, Other Disclosures, missing Appraisal field. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Hybrid Not Applicable Complete
4C433D99-1843-4828-B7B3-5364CCA87870 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Rebuttable Presumption QM: Rebuttable Presumption C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM Rebuttable presumption. 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
46EF2146-E12F-47CB-8285-F8C89A680CC3 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: Safe Harbor B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD 5/XX/2017 Calculating Cash to Close Table (Loan Estimate column) does not match figures on Final LE 05/XX/2017 Calculating Cash to Close Table. (No Data) (No Data) Non-Numeric Not Applicable Complete
2994E369-F5E1-4070-8F7E-759512EE6244 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
2994E369-F5E1-4070-8F7E-759512EE6244 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers (No Data) (No Data) (No Data) Not Applicable Complete
2994E369-F5E1-4070-8F7E-759512EE6244 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE: 5/XX/17 Projected Payments Section: The Estimated Taxes, Insurance & Assessments, Field: Other is checked; however the Lender did not identify what the Other was for. Exception satisfied. CD 6/XX/17 corrects the issue. (No Data) LE: 5/XX/17 Projected Payments Section: The Estimated Taxes, Insurance & Assessments, Field: Other is checked; however the Lender did not identify what the Other was for. Exception satisfied. CD 6/XX/17 corrects the issue. (No Data) Not Applicable Complete
65CE8977-4991-42BD-9E83-C82B242625F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor QM: Safe Harbor C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, Review status is NON QM Lender did not document all ATR UW Factors, Missing 1008/Lender approval, unable to determine DTI requirements 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Safe Harbor, exception satisfied (No Data) Not Applicable Complete
65CE8977-4991-42BD-9E83-C82B242625F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No CD 7/XX/2017, the purpose is reflected as Purchase but the Valuation Type is entered as Appraised Property Value (No Data) (No Data) Non-Numeric Not Applicable Complete
65CE8977-4991-42BD-9E83-C82B242625F7 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4350 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD 7/XX/2017-1 & 07/XX/2017-1, Other Disclosures, Appraisal disclosure is missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Hybrid Not Applicable Complete
DA22ADB4-3648-4AB3-BEB5-875786CBED60 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI QM: Rebuttable Presumption QM: Rebuttable Presumption D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
DA22ADB4-3648-4AB3-BEB5-875786CBED60 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI QM: Rebuttable Presumption QM: Rebuttable Presumption D D D D Compliance Compliance Manual Active D D D D CMPMAN2478 Missing Legal Documentation Yes Missing 1008/Lender approval. (No Data) (No Data) (No Data) Not Applicable Complete
DA22ADB4-3648-4AB3-BEB5-875786CBED60 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI QM: Rebuttable Presumption QM: Rebuttable Presumption D D D D Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3626 TRID - CD: Loan consummated before end of waiting period Yes Need proof initial CD 07/XX/2017 was received by borrower 3 days before consummation date of 07/XX/2017. (No Data) (No Data) (No Data) Not Applicable Complete
BF63FC2D-3CE8-4BCB-A534-891C5F66E39E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Missing individual loan originators middle initial per NMLS verification system (No Data) (No Data) (No Data) Not Applicable Complete
BF63FC2D-3CE8-4BCB-A534-891C5F66E39E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance State Rate Spread Active B B B B CMPSRS2051 CA Higher-Priced Loan No California higher priced based on APR of 7.0570% from benchmark rate 3.3400%, causing a variance of 3.717% exceeding maximum variance of 3.5000%. (No Data) (No Data) (No Data) Not Applicable Complete
BF63FC2D-3CE8-4BCB-A534-891C5F66E39E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4218 TRID - Costs at Closing and or Calculating Cash to Close tables are inconsistent across disclosures No The optional Cash to Close and Costs at Closing tables are not consistent between the LE and the initial CD. Initial CD 06/XX/2017 Calculating Cash to Close Section used the alternative version whereas LE 05/XX/2017 used the standard version. (No Data) (No Data) (No Data) Not Applicable Complete
E7505696-3495-43C3-B9E2-6E388BCF90A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM Rebuttable presumption 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
E7505696-3495-43C3-B9E2-6E388BCF90A8 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: 07/XX/2017-1, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value: $0.00 and Section: Calculating Cash to Close, Field: XX Calculation, Value: $3178.41. (No Data) (No Data) Numeric Not Applicable Complete
A0AA69E6-DE69-48AB-9AC4-A9FB965B2901 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No The ATR/QM Worksheet is missing from the file provided for review. 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
A0AA69E6-DE69-48AB-9AC4-A9FB965B2901 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Missing Loan Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A0AA69E6-DE69-48AB-9AC4-A9FB965B2901 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Missing Loan Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
A0AA69E6-DE69-48AB-9AC4-A9FB965B2901 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3494 TRID - Loan Estimate Missing No Missing Loan Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
ADA583BD-009E-4527-9CC9-F636C1A92B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
ADA583BD-009E-4527-9CC9-F636C1A92B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No CD's dated 08/XX/2017, 08/XX/2017, and 08/XX/2017- Projected Payments- The "Other" escrow box is checked, but no description has been provided. (No Data) (No Data) (No Data) Not Applicable Complete
ADA583BD-009E-4527-9CC9-F636C1A92B69 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4296 TRID - CD: The final Total Payoffs and Payments of the CD Payoffs and Payments table does not match the total amount for Payoffs and Payments in the Calculating Cash to Close table No CD's dated 08/XX/2017 and 08/XX/2017- Calculating Cash to Close- Total Payoffs and Payments (K) - Final is -$58,557.91CD's dated 08/XX/2017 and 08/XX/2017- Payoffs and Payments- Per XXX calculation equals $531,415.23. (No Data) (No Data) Numeric Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No NEW: Lender status is QM: Rebuttable Presumption, review status is Non-QM: Lender documented all ATR UW factors (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC191 Missing Mortgage Yes Missing Mortgage/Deed Of Trust (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC195 Missing Note Yes Missing Note (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance Documentation Active D D D D CMPDOC796 Missing Title Yes Missing Title (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD 6/XX/17 Section Other Costs, Section E: Recording fees are not itemized. (No Data) (No Data) Hybrid Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4583 TRID - LE sent prior to CD, but either confirmed receipt date or assumed receipt date is on or after the CD receipt date No LE 6/XX/17 is unsigned. Allowing for 3 day mail delivery, CD dated 6/XX/17 was signed either on or after CD date. (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4803 TRID - In 5 Years Disclosure: Insufficient information to calculate either or both of the total payments and/or total principal that will be paid in the first 5 years No In 5 Years Disclosure not complete due to missing Note. (No Data) (No Data) (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3618 TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing No Exception is due to the CD reflecting the note is a fixed rate loan; however as the note is missing from file, it is unknown if that is true. Provide copy of Note. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
4A506BBE-6705-4717-B590-067F219781F4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors D D D D Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3662 TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance No Missing Note, Missing Initial CD if applicable. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
2D4AB19D-4722-41E0-AA07-6481519F91F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance State Late Charges Active B B B B CMPSLC1121 Late Charge percentage exceeds customary maximum No Late Charge %: 10.00 (No Data) (No Data) (No Data) Not Applicable Complete
2D4AB19D-4722-41E0-AA07-6481519F91F2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4218 TRID - Costs at Closing and or Calculating Cash to Close tables are inconsistent across disclosures No CD: 07/XX/2017-1, Calculating Cash to Close changed to Standard on final CD (No Data) (No Data) (No Data) Not Applicable Complete
AE8A71FD-617B-4A2D-8E76-685537367824 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX OR QM: Rebuttable Presumption QM: Rebuttable Presumption D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3494 TRID - Loan Estimate Missing No Missing LE. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
E5F7DB74-2645-4B10-8927-DA24DDBE1865 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
E5F7DB74-2645-4B10-8927-DA24DDBE1865 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No CD's dated 07/XX/2017 and 07/XX/2017- Closing Information- File Number is missing. (No Data) (No Data) (No Data) Not Applicable Complete
E5F7DB74-2645-4B10-8927-DA24DDBE1865 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD 07/XX/2017 Calculating Cash to Close Table (Loan Estimate Column) does not match figures on Final LE 06/XX/2017 Calculating Cash to Close Table. (No Data) (No Data) Non-Numeric Not Applicable Complete
E5F7DB74-2645-4B10-8927-DA24DDBE1865 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4350 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD's dated 07/XX/2017 and 07/XX/2017- Other Disclosures- Appraisal Field is missing. (No Data) (No Data) Hybrid Not Applicable Complete
2EF5151A-CEB4-416C-9A67-CB267D028692 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lender status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
2EF5151A-CEB4-416C-9A67-CB267D028692 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
2EF5151A-CEB4-416C-9A67-CB267D028692 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4377 TRID - CD: Closing Disclosure contains conflicting loan attributes No CD 7/XX/2017 & 8/XX/2017, Loan Disclosures, Demand Feature, It is not indicated whether or not this loan has a demand feature when two options are provided. Section is not fully completed. (No Data) (No Data) Non-Numeric Not Applicable Complete
2EF5151A-CEB4-416C-9A67-CB267D028692 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3970 TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. No CD 7/XX/2017 & 8/XX/2017, Loan Disclosures, it is not indicated how creditor addresses late payments when three options are provided. Section is not fully completed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
2EF5151A-CEB4-416C-9A67-CB267D028692 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3971 TRID - CD: Either both options or neither option was checked for the Liability after Foreclosure topic in the CD Other Disclosures section No CD 7/XX/2017 & 8/XX/2017, , Other Disclosures, it is not indicated how liability after foreclosure is addressed when three options are presented. Section is not fully completed. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
B130702F-75AF-487B-B88B-D7840A9A3BC4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: Rebuttable Presumption B B B B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
B130702F-75AF-487B-B88B-D7840A9A3BC4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: Rebuttable Presumption B B B B Compliance State Rate Spread Active B B B B CMPSRS2051 CA Higher-Priced Loan No Loan is HPML (No Data) (No Data) (No Data) Not Applicable Complete
B130702F-75AF-487B-B88B-D7840A9A3BC4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4350 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD's dated 07/XX/2017 and 07/XX/2017- Other Disclosures- Appraisal field is missing. (No Data) (No Data) Hybrid Not Applicable Complete
B130702F-75AF-487B-B88B-D7840A9A3BC4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA ATR/QM: Not Provided QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No Exception satisfied. CD issued 07/XX/2017 corrects this error. CD: 07/XX/2017-1, Section: Other Costs, the recording fees are not itemized. (No Data) Exception satisfied. CD issued 07/XX/2017 corrects this error. CD: 07/XX/2017-1, Section: Other Costs, the recording fees are not itemized. Hybrid Not Applicable Complete
02F9E471-FF96-4EBD-A6E8-EF29DF5B693B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM status determination, review status is QM XXX 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
02F9E471-FF96-4EBD-A6E8-EF29DF5B693B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: Safe Harbor C B C B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No Missing List of homeowners counseling organizations (No Data) (No Data) (No Data) Not Applicable Complete
76D5B429-9466-4EF2-9074-11D5708580E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM XXX 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
28B98606-7125-4552-AC49-C00BB6EA9C5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No CD's dated 08/XX/2017-1 and 08/XX/2017-2- Closing Information- File number is missing. (No Data) (No Data) (No Data) Not Applicable Complete
28B98606-7125-4552-AC49-C00BB6EA9C5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No CD dated 08/XX/2017- Loan Information- Purpose is Purchase but the Valuation Type is Estimated Prop Value. (No Data) (No Data) Non-Numeric Not Applicable Complete
28B98606-7125-4552-AC49-C00BB6EA9C5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4350 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD dated 08/XX/2017-1 and 08/XX/2017-2 Other Disclosures- Appraisal paragraph is missing. (No Data) (No Data) Hybrid Not Applicable Complete
28B98606-7125-4552-AC49-C00BB6EA9C5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3568 TRID - Error discovered on the Loan Estimate No LE dated 06/XX/2017- Closing Information- Borrower's address is missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
28B98606-7125-4552-AC49-C00BB6EA9C5D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3604 TRID - Error discovered on Closing Disclosure No CD's dated 08/XX/2017-1 and 08/XX/2017-2- Contact Information- NMLS ID is missing for the Lender. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
87FC3D56-ECDD-4D3C-94C7-E2248FE3DD2A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
87FC3D56-ECDD-4D3C-94C7-E2248FE3DD2A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4821 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a better status than the Lender's status determination. No NEW: Lender status is QM: Rebuttable Presumption, review status is QM: XXX (No Data) (No Data) (No Data) Not Applicable Complete
87FC3D56-ECDD-4D3C-94C7-E2248FE3DD2A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No CD dated 07/XX/2017- Loan Information- Purpose is listed as a Purchase, and the Valuation Type is listed as Appraised Prop Value. (No Data) (No Data) Non-Numeric Not Applicable Complete
87FC3D56-ECDD-4D3C-94C7-E2248FE3DD2A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Need proof initial CD was received by borrower 3 days before consummation date of 07/XX/2017. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
D86DD5B1-6780-4525-9B28-53201B63F339 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM Rebuttable presumption 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
D86DD5B1-6780-4525-9B28-53201B63F339 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance State Rate Spread Active B B B B CMPSRS2051 CA Higher-Priced Loan No California higher priced based on APR variance of 7.6250% from benchmark of rate 3.2900%, exceeding maximum variance of 3.5000%. (No Data) (No Data) (No Data) Not Applicable Complete
D86DD5B1-6780-4525-9B28-53201B63F339 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 07/XX/2017-1, CD: 07/XX/2017-1> Other Costs>Prepaid interest time frame missing. (No Data) (No Data) Hybrid Not Applicable Complete
D86DD5B1-6780-4525-9B28-53201B63F339 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4362 TRID - CD: At least one section contains a disclosure that is not in accordance with the Regulation No CD: 07/XX/2017-1>Transaction Information, Lender missing from form. (No Data) (No Data) Hybrid Not Applicable Complete
D86DD5B1-6780-4525-9B28-53201B63F339 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3970 TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. No CD: 07/XX/2017-1> Loan Disclosures, Partial Payments has both may hold in a separate account and does not accept partial payments both checked. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Non-Numeric Not Applicable Complete
E4FC5712-F637-4789-BA25-490CE7704343 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM Rebuttable Presumption 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
E4FC5712-F637-4789-BA25-490CE7704343 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3730 TRID - Error #2 discovered on Closing Disclosure No CDs 7-XX-2017 and 7-XX-2017: Closing Information sales price is disclosed as $0.00. (No Data) (No Data) (No Data) Not Applicable Complete
E4FC5712-F637-4789-BA25-490CE7704343 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CDs 7-XX-2017 and 7-XX-2017: Other Costs recording fees are not itemized. (No Data) (No Data) Hybrid Not Applicable Complete
024DF01F-A3EA-4D2F-8EBA-5DBCFCFFBCE2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lender status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
024DF01F-A3EA-4D2F-8EBA-5DBCFCFFBCE2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Final CD 08/XX/2017 calculating cash to close, loan estimate column does not match Final LE for 06/XX/2017 calculating cash to close table. (No Data) (No Data) Non-Numeric Not Applicable Complete
A582A39D-0C22-4657-B78B-3DEB105EF994 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX FL QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4296 TRID - CD: The final Total Payoffs and Payments of the CD Payoffs and Payments table does not match the total amount for Payoffs and Payments in the Calculating Cash to Close table No CD dated 07/XX/2017- Calculating Cash to Close- Total Payoffs and Payments (K) - Final is-$106,940.40CD dated 07/XX/2017- Payoffs and Payments- Total Amount is $587,414.64 (No Data) (No Data) Numeric Not Applicable Complete
05586419-EC02-440F-93F9-7E59DA1BE853 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4241 TRID - CD: The CD Calculating Cash to Close LE column total does not equal its component parts No CD: 08/XX/2017-1, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX. XXX Calculation - Loan Estimate, Value: XXX. (No Data) (No Data) Numeric Not Applicable Complete
05586419-EC02-440F-93F9-7E59DA1BE853 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No Difference is the proceeds was applied to a first mortgage loan in the amount of $89,397.38 (No Data) (No Data) Numeric Not Applicable Complete
05586419-EC02-440F-93F9-7E59DA1BE853 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No LE: 07/XX/2017-1, Section: Calculating Cash To Close, Field: Total Closing Costs (J), Value: 1024; CD: 08/XX/2017-1, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value: XXX. These values do not match. (No Data) (No Data) Non-Numeric Not Applicable Complete
05586419-EC02-440F-93F9-7E59DA1BE853 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CDs 8.XX.17 and 8/XX/17 Section Other Costs, Section E: Recording Fees are not itemized (No Data) (No Data) Hybrid Not Applicable Complete
3681E9F1-352B-4924-A6EF-5F37D5E79A29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
3681E9F1-352B-4924-A6EF-5F37D5E79A29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers (No Data) (No Data) (No Data) Not Applicable Complete
3681E9F1-352B-4924-A6EF-5F37D5E79A29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No CD: 08/XX/2017-1, Loan Information Section: Purpose Value reflects Purchase and Closing Information Section: Valuation Type reflects Appraised Prop Value. (No Data) (No Data) Non-Numeric Not Applicable Complete
3681E9F1-352B-4924-A6EF-5F37D5E79A29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $41.00 for Title- CPL and lender's title insurance fees for zero percent tolerance fees. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3681E9F1-352B-4924-A6EF-5F37D5E79A29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4350 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD: 08/XX/2017-1, Other Disclosures Section: Appraisal clause is missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Hybrid Not Applicable Complete
3681E9F1-352B-4924-A6EF-5F37D5E79A29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3600 TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered No CD 8/XX/17 was delivered via email but there is no evidence applicant consented to e-mail delivery. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
3681E9F1-352B-4924-A6EF-5F37D5E79A29 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active N/A B N/A B CMPTRID3554 TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered No LE 6/XX/17 was delivered via email but there is no evidence applicant consented to e-mail delivery. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
6BA84DB8-69DD-40E5-86C2-BC9A3DF785B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No CD: 08/XX/2017.08/XX/2017-1, CD: 08/XX/2017-1 Closing information list Appraised value as property type. Sales price needs to be listed as this is a purchase transaction. (No Data) (No Data) Non-Numeric Not Applicable Complete
6BA84DB8-69DD-40E5-86C2-BC9A3DF785B1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: 08/XX/2017-1, Section: Summaries of Transactions, Message: Adjustments and Other Credits Calculation per XXX calculation is ($693.79) and Section: Calculating Cash to Close, Field: Adjustments and Other Credits - Final, Value is listed as $106556.21. (No Data) (No Data) Numeric Not Applicable Complete
9DD64B3E-A795-45AE-846D-379CE3562E98 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI QM: Safe Harbor QM: Safe Harbor C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM XXX 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
9DD64B3E-A795-45AE-846D-379CE3562E98 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI QM: Safe Harbor QM: Safe Harbor C B C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
4BE4BE93-2F1F-4F75-888C-CF38C666E424 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3750 TRID - Error #10 discovered on Closing Disclosure No LE for 2nd lien missing Date of issue. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
51A8DDDA-4C5C-46CC-BB93-98668D1D287A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lender status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
51A8DDDA-4C5C-46CC-BB93-98668D1D287A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No CD dated 08/XX/2017 and 08/XX/2017- Loan Information- Purpose is a Purchase and the Valuation Type is listed as Appraised Prop Value. (No Data) (No Data) Non-Numeric Not Applicable Complete
51A8DDDA-4C5C-46CC-BB93-98668D1D287A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4350 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD's dated 08/XX/2017 and 08/XX/2017- Other Disclosures- Appraisal field is missing. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Hybrid Not Applicable Complete
51A8DDDA-4C5C-46CC-BB93-98668D1D287A XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3494 TRID - Loan Estimate Missing No Missing Loan Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
5CA9CF05-E724-4ABA-A5D2-D60CB2240FE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption D B D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lender determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
5CA9CF05-E724-4ABA-A5D2-D60CB2240FE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No CD's dated 08/XX/2017 and 08/XX/2017- Projected Payments- Estimated taxes, insurance & Assessments- The "Other" box is checked and no description was input. (No Data) (No Data) (No Data) Not Applicable Complete
5CA9CF05-E724-4ABA-A5D2-D60CB2240FE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption D B D B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD dated 08/XX/2017- Calculating Cash to Close- Closing Costs Financed - Final is $0.00XXX Calculation is $824.80 (No Data) (No Data) Numeric Not Applicable Complete
5CA9CF05-E724-4ABA-A5D2-D60CB2240FE5 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Rebuttable Presumption QM: Rebuttable Presumption D B D B Compliance TILA/RESPA Integrated Disclosure Active D B D B CMPTRID3494 TRID - Loan Estimate Missing No Missing Loan Estimate (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
F7DB111D-FBCE-4A9E-ACAC-4B041002A29C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM Status determination, review status is QM XXX 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
F7DB111D-FBCE-4A9E-ACAC-4B041002A29C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active B B B B CMPDOC2858 TILA - Individual loan originator Name or ID missing from application. No Individual loan originator Name or ID missing from application. (No Data) (No Data) (No Data) Not Applicable Complete
F7DB111D-FBCE-4A9E-ACAC-4B041002A29C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active B B B B CMPDOC2860 TILA - Loan Originator Organization Name or ID missing from application. No Loan Originator Organization Name or ID missing from application (No Data) (No Data) (No Data) Not Applicable Complete
F7DB111D-FBCE-4A9E-ACAC-4B041002A29C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX IL QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No CD 8-XX-2017, Loan is a Purchase, Valuation does not state sales price (No Data) (No Data) Non-Numeric Not Applicable Complete
FE31F674-0C3E-47D6-81D1-036D7D8626CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: Rebuttable Presumption C C C C Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
FE31F674-0C3E-47D6-81D1-036D7D8626CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: Rebuttable Presumption C C C C Compliance Borrower's Interest Active B B B B CMPBI1595 File does not contain a tangible net benefit worksheet No File does not include a tangible net benefit worksheet, (No Data) (No Data) (No Data) Not Applicable Complete
FE31F674-0C3E-47D6-81D1-036D7D8626CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: Rebuttable Presumption C C C C Compliance Borrower's Interest Active C C C C CMPBI1591 MN Home Loan - No Tangible Net Benefit Yes Missing Tangible Net Benefit (No Data) (No Data) (No Data) Not Applicable Complete
FE31F674-0C3E-47D6-81D1-036D7D8626CD XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MN QM: Rebuttable Presumption QM: Rebuttable Presumption C C C C Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation Yes Zero tolerance fee(s) requires of $25.36 due to increase in transfer tax. COC in file does not include. (No Data) (No Data) (No Data) Not Applicable Complete
68A59914-10C5-47B1-B8F9-81D66E089EC2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance RESPA Active B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file (No Data) (No Data) (No Data) Not Applicable Complete
68A59914-10C5-47B1-B8F9-81D66E089EC2 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption B B B B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing (No Data) (No Data) (No Data) Not Applicable Complete
4F869813-F0BE-4887-B826-AD12BBC5C5BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lender status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
4F869813-F0BE-4887-B826-AD12BBC5C5BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD: 08/XX/2017-1, Section: Calculating Cash to Close, Field: Total Closing Costs (J) - Loan Estimate, Value matches the last LE 08/XX/2017-1 (No Data) (No Data) Non-Numeric Not Applicable Complete
4F869813-F0BE-4887-B826-AD12BBC5C5BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD: 08/XX/2017-1, Section: Calculating Cash to Close, Field: Cash to Close - Loan Estimate, Value: XXX matches last LE 08/XX/2017-1 (No Data) (No Data) Non-Numeric Not Applicable Complete
4F869813-F0BE-4887-B826-AD12BBC5C5BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4312 TRID - CD: The value for Total Payoffs and Payments in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No CD: 08/XX/2017-1, Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - Loan Estimate, Value: XXX matches last LE 08/XX/2017-1 (No Data) (No Data) Non-Numeric Not Applicable Complete
4F869813-F0BE-4887-B826-AD12BBC5C5BC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4354 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No No payoffs included in table; home equity loan (No Data) (No Data) Hybrid Not Applicable Complete
5B29657A-BB40-4A99-8B8F-7051FCC5972D XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active D D D D CMPTRID3494 TRID - Loan Estimate Missing Yes Loan Estimate(s) Missing from file (No Data) (No Data) (No Data) Not Applicable Complete
88EFF832-8ED6-4BD6-BD32-CC6D14942DF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Missing Lender's status determination. 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
88EFF832-8ED6-4BD6-BD32-CC6D14942DF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No Non Numeric Clerical ErrorCD 8/XX/17: Closing Information estimated prop value should be sales price as transaction is a purchase. (No Data) (No Data) Non-Numeric Not Applicable Complete
88EFF832-8ED6-4BD6-BD32-CC6D14942DF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3732 TRID - Error #3 discovered on Closing Disclosure No Non Numeric ErrorCD 8/XX/17: Other Costs recording fees are not itemized.Cured with CD 8/XX/17 (No Data) (No Data) (No Data) Not Applicable Complete
88EFF832-8ED6-4BD6-BD32-CC6D14942DF6 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID3752 TRID - Error #2 discovered on Loan Estimate No Non Numeric Material ErrorAll LEs: State identifier missing for Loan Officer.Cured with CD 8/XX/17 (No Data) (No Data) (No Data) Not Applicable Complete
8D11A068-D357-4701-800F-BB11CF4A8FAC XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX PA QM: Safe Harbor QM: Safe Harbor C A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR QM Status determination, review status is QM XXX. 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
E8C43F81-17FB-40AE-9C88-F70D5E46A315 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: Safe Harbor D D D D Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM XXX 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
E8C43F81-17FB-40AE-9C88-F70D5E46A315 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: Safe Harbor D D D D Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing affiliate business disclosure (No Data) (No Data) (No Data) Not Applicable Complete
E8C43F81-17FB-40AE-9C88-F70D5E46A315 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4354 TRID - CD: At least one statement or section of the form that is required by the Regulation is not contained on the form No CD dated 8/XX/17 - Section Loan Disclosures: Will not have an escrow account because - option is not checked. (No Data) (No Data) Hybrid Not Applicable Complete
E8C43F81-17FB-40AE-9C88-F70D5E46A315 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID3970 TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. Yes CD dated 8/XX/17 Other Disclosures Section: none of the options were checked for the Partial Payments. (No Data) (No Data) Non-Numeric Not Applicable Complete
E8C43F81-17FB-40AE-9C88-F70D5E46A315 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active C C C C CMPTRID4373 TRID - CD: Closing Disclosure contains conflicting loan attributes Yes CD 8-XX-2017-Loan disclosures, Negative Amortization, none of the boxes were checked. (No Data) (No Data) Non-Numeric Not Applicable Complete
E8C43F81-17FB-40AE-9C88-F70D5E46A315 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: Safe Harbor D D D D Compliance TILA/RESPA Integrated Disclosure Active D D D D CMPTRID3494 TRID - Loan Estimate Missing Yes Missing Loan estimate (No Data) (No Data) (No Data) Not Applicable Complete
A394180A-F635-4DF5-9619-315249A56812 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption A A A A Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
FCE65AB1-1B01-4AE6-BD81-5B92651B55F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors B B B B Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No NEW: Lender status is QM: Rebuttable Presumption, review status is Non-QM: Lender documented all ATR UW factors (No Data) (No Data) (No Data) Not Applicable Complete
FCE65AB1-1B01-4AE6-BD81-5B92651B55F1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption Non-QM: Lender documented all ATR UW factors B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3928 TRID - CD: The Purpose is Purchase but the Valuation Type is not Sales Price No Final CD 8/XX/17-1 Closing information list Appraised prop value on a Purpose for purchase. should read sale price. (No Data) (No Data) Non-Numeric Not Applicable Complete
126584C2-E66C-47C6-8FFF-54C9C9951CFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No ATR/QM worksheet with Lenders status determination is not in file. 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
126584C2-E66C-47C6-8FFF-54C9C9951CFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3750 TRID - Error #10 discovered on Closing Disclosure No Non-Numeric Clerical Error.CD dated 8/XX/17 has the following formatting issue: Missing Sales Price in "Transaction Information" section. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
93B267FB-E0D2-4355-B599-43F49A8DA280 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM Rebuttable presumption. 12/XX17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
93B267FB-E0D2-4355-B599-43F49A8DA280 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4309 TRID - CD: The value for Cash to Close in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Missing an LE that matches the final CD calculating cash to close Loan Estimate column. (No Data) (No Data) Non-Numeric Not Applicable Complete
68F973D4-6DF7-4450-ACDA-A15F237C6AFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, Review status is QM Rebuttable presumption 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
68F973D4-6DF7-4450-ACDA-A15F237C6AFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Federal Consumer Protection Active B B B B CMPFDCP3206 NMLS License verification found Loan Originator Name does not match ID No Missing individual loan originators middle name per NMLS verification system. (No Data) (No Data) (No Data) Not Applicable Complete
68F973D4-6DF7-4450-ACDA-A15F237C6AFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Required Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
68F973D4-6DF7-4450-ACDA-A15F237C6AFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4218 TRID - Costs at Closing and or Calculating Cash to Close tables are inconsistent across disclosures No Final LE 7-XX-2017 used the standard closing format, CD's 8-XX-2017, 08-XX-2017 and 09-XX-2017 used the alternative format. (No Data) (No Data) (No Data) Not Applicable Complete
68F973D4-6DF7-4450-ACDA-A15F237C6AFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Missing an LE that matches the final CD calculating cash to close Loan Estimate column. (No Data) (No Data) Non-Numeric Not Applicable Complete
68F973D4-6DF7-4450-ACDA-A15F237C6AFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID4027 TRID - CD: The P&I Payment on the Loan Terms section of Final Closing Disclosure does not match the initial Note P&I No CD 8-XX-2017-Loan terms, P&I payment of $100 should be $120.04 (No Data) Exception satisfied, PC CD 9-XX-2017 Corrects the final CD P&I Payment Numeric Not Applicable Complete
68F973D4-6DF7-4450-ACDA-A15F237C6AFE XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX AL QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID4214 TRID - Loan Estimate: An LE is missing at least one required data point No Final LE 7-XX-2017, Additional information about this loan, missing the NMLS Numbers, Contact name, Email and Phone number. (No Data) Exception satisfied, CD 8-XX-2017 corrects the lender information Hybrid Not Applicable Complete
75C25E0F-41B6-46DC-A6DF-42923446F7E0 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: Safe Harbor A A A A Compliance Ability to Repay/Qualified Mortgage Satisfied N/A A N/A A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing Lenders ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
0E99BB15-E8FF-408D-8E65-8A191E9C266E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, review status is QM Rebuttable Presumption 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
0E99BB15-E8FF-408D-8E65-8A191E9C266E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Missing Affiliate Business Disclosure (No Data) (No Data) (No Data) Not Applicable Complete
0E99BB15-E8FF-408D-8E65-8A191E9C266E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers not provided (No Data) (No Data) (No Data) Not Applicable Complete
C18FDA67-E7AD-4FD3-AD11-A20C187BC288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor QM: Safe Harbor C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: XXX, exception satisfied (No Data) Not Applicable Complete
C18FDA67-E7AD-4FD3-AD11-A20C187BC288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4210 TRID - LE: Either both options or neither option was checked for the Servicing topic in the LE Other Considerations section No LE: 08/XX/2017, CD: 08/XX/2017, CD: 08/XX/2017 - Other Considerations Servicing - Missing transfer servicing statement (No Data) (No Data) Non-Numeric Not Applicable Complete
C18FDA67-E7AD-4FD3-AD11-A20C187BC288 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Safe Harbor QM: Safe Harbor C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD: 08/XX/2017-1, Section: Summaries of Transactions, Message: Adjustments and Other Credits per XXX Calculation is $0.00 Section : Calculating Cash to Close, Field: Adjustments and Other Credits is listed as XXX (No Data) (No Data) Numeric Not Applicable Complete
8BBA2943-D5E9-49D4-97FA-FF821BDC8BE1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders ATR QM Status determination, Review status is QM Rebuttable Presumption. 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
8BBA2943-D5E9-49D4-97FA-FF821BDC8BE1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID3476 TRID - Written List of Providers not provided or untimely No Missing Written List of Providers. (No Data) (No Data) (No Data) Not Applicable Complete
8BBA2943-D5E9-49D4-97FA-FF821BDC8BE1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4278 TRID - CD: The LE and CD columns of the CD Calculating Cash to Close table contain the same values for Total Payoffs and Payments but Did This Change? = Yes No CD: 08/XX/2017-1, Section: Calculating Cash to Close, Field: Total Payoffs and Payments (K) - states yes for change though both entries are the same (No Data) (No Data) Non-Numeric Not Applicable Complete
8BBA2943-D5E9-49D4-97FA-FF821BDC8BE1 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX NC QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4320 TRID - CD: The stated Closing Costs Financed (Paid from Your Loan Amount) amount in the CD Calculating Cash to Close section (Alt Version) does not equate to the amount based on the Reg's formula. No CD: 08/XX/2017-1, Section: Calculating Cash to Close, Field: Closing Costs Financed - Final, Value is zero but Section: Calculating Cash to Close, Field: XXX Calculation, Value: XXX and does not match. (No Data) (No Data) Numeric Not Applicable Complete
5F6BE7B8-3662-4F1A-8D75-0F2C76B1F88C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No ATR/QM worksheet with Lenders status determination is not in file. 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
5F6BE7B8-3662-4F1A-8D75-0F2C76B1F88C XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX CO QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4299 TRID - CD: The value for Total Closing Costs in the LE column of the CD's Calculating Cash to Close table is different from the value disclosed on the last LE or a prior CD No Non-Numeric Error: LE 7/XX/17 Section: Calculating Cash to Close - Total Closing Costs (J) is $XXX . CD 8/XX/17 Section: Calculating Cash to Close - Total Closing Costs (J) for the LE is $XXX. (No Data) (No Data) Non-Numeric Not Applicable Complete
8B7BCC55-3870-48A3-9E89-60C0F23A6CBB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM4649 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination No Missing lenders status determination 12/XX/17 Client provided ATR/QM status determination 12/XX/17 Client provided ATR/QM status determination of QM: Rebuttable Presumption, exception satisfied (No Data) Not Applicable Complete
8B7BCC55-3870-48A3-9E89-60C0F23A6CBB XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Rebuttable Presumption QM: Rebuttable Presumption C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4218 TRID - Costs at Closing and or Calculating Cash to Close tables are inconsistent across disclosures No The optional Cash to Close and Costs at Closing tables are not consistent between the LE and the initial CD. Initial CD 7/XX/17 Calculating Cash to Close Section used the alternative version whereas LE 6/XX/17 used the standard version. (No Data) (No Data) (No Data) Not Applicable Complete
F86FA779-CFFD-4F1B-A3AF-362CF1BE3403 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MO (No Data) ATR/QM: Not Applicable A A A A                               Complete
52BE613C-C025-4E8E-A335-E3A83F8E44B4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MS QM: Safe Harbor QM: GSE Temporary - QM/SH A A A A                               Complete
A5B06FF0-863D-4357-A7A6-DEB97BD6B52B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance Certificate is missing. (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
A5B06FF0-863D-4357-A7A6-DEB97BD6B52B XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4352 TRID - CD: At least one section contains formatting that does not comply with the Regulation No CD: 04/XX/2018-1, Section: Other Costs, Field: Is the Other Cost section properly formatted?, Value: No. F. Homeowner's Insurance Premium is missing the Payee. Corrected on final CD 04/XX/2018. Exception Cancelled. (No Data) (No Data) Hybrid Not Applicable Complete
49D9FEEF-6BA2-46E2-9BD6-C794469F28A4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active C C C C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Loan subject to Ability to Repay/Qualified Mortgage rule; XXX status determination places loan in a riskier status than the Lender's status determination due to being higher priced loan transaction. 12/XX/18 - status provided, Safe Harbor QM 12/XX/18 - response does not reconcile, exception remains. (No Data) Not Applicable Complete
49D9FEEF-6BA2-46E2-9BD6-C794469F28A4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing corrected AUS with risk class refer. 12/XX/18 - status provided, Safe Harbor QM 12/XX/18 - response does not reconcile, exception remains. (No Data) Not Applicable Complete
49D9FEEF-6BA2-46E2-9BD6-C794469F28A4 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX TX QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Missing FHA MI cert. (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
53BEB6DE-0609-41B1-8FBE-04B01CE09D6E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Documentation Active B B B B CMPDOC2033 Mortgage Insurance required but MI Certificate is missing No Mortgage Insurance Certificate is missing (No Data) Loan is not insured per tape, final grade B. (No Data) Not Applicable Complete
53BEB6DE-0609-41B1-8FBE-04B01CE09D6E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance Finance Charge Tolerance Active C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Finance Charge under-disclosed by $XXXMissing list of fees included in APR and breakdown of credits when applicable. 12/XX/18 - Disagree, the list of fees is in the loan file uploaded. Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
53BEB6DE-0609-41B1-8FBE-04B01CE09D6E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4319 TRID - CD: The Total Interest Percentage on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Interest Percentage No CD: 11/XX/2017-1 [Last CD], Section: Loan Calculation, Field: TIP, CD Value: 74.58600, reviewer calculation: 77.0869Difference of 2.5009 is outside of tolerance. (No Data) (No Data) Numeric Not Applicable Complete
53BEB6DE-0609-41B1-8FBE-04B01CE09D6E XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX GA QM: Safe Harbor QM: GSE Temporary - QM/SH C B C B Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No Final CD 11/XX/2017, Section: Loan Calculation, Total of Payments, CD states $457,497.36. After review completed amount calculated to be $463,439.40. Loan under stated by $-5,942.04Missing list of fees included in APR and breakdown of credits when applicable. (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. Numeric Not Applicable Complete
AAB80B0F-ACBB-4DDD-B03D-F631D61A1F24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. Yes Review status is Non-QM: Lender documented all ATR UW factors, DTI greater than 50%, no reserves, does not qualify for manual underwrite (No Data) (No Data) (No Data) Not Applicable Complete
AAB80B0F-ACBB-4DDD-B03D-F631D61A1F24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors due to missing 1 months reserves. (No Data) (No Data) (No Data) Not Applicable Complete
AAB80B0F-ACBB-4DDD-B03D-F631D61A1F24 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX SC QM: Safe Harbor ATR Risk: Non-QM - Lender did not document all ATR UW factors B C B C Compliance Federal Consumer Protection Active B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Missing individual loan originators middle name per NMLS. (No Data) (No Data) (No Data) Not Applicable Complete
B1D1B44E-D916-4B15-AC73-60B04EA6D546 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4287 TRID - CD: The difference between the Sale Price and Loan Amount from the Summaries of Transaction section does not equal the Down Payment/Funds from Borrower in the Calculating Cash to Close section No CD 4/XX/2018, Summaries of Transactions section, Sale Price of Property minus Loan Amount is $XXX and Down Payment/Funds from Borrower in the Calculating Cash to Close table is $725. Values does not match. (No Data) (No Data) Numeric Not Applicable Complete
B1D1B44E-D916-4B15-AC73-60B04EA6D546 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX WI QM: Safe Harbor QM: GSE Temporary - QM/SH B B B B Compliance TILA/RESPA Integrated Disclosure Active B B B B CMPTRID4289 TRID - CD: The difference between the adjustments and credits per sections K and L does not equal the Adjustments and Other Credits in the Calculating Costs to Close section No CD 4/XX/2018, Summaries of Transaction section, calculated adjustments and credits in section K and L is $3375.55 and Calculating Cash to Close table Adjustments and Other Credits -$375.55. Values does not match. (No Data) (No Data) Numeric Not Applicable Complete
948DD6E0-D81A-4281-8114-524EB4B2BA44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A B N/A B CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No Lender status is QM: Rebuttable Presumption, review status is Non-QM: Lender did not document all ATR/QM factors. 1) AUS / DU findings Recommendation is Refer with Caution. 2). Missing Evidence of Assets to XXX Savings Account in the amount of $XXX (No Data) (No Data) (No Data) Not Applicable Complete
948DD6E0-D81A-4281-8114-524EB4B2BA44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance Ability to Repay/Qualified Mortgage Active N/A C N/A C CMPATRQM2906 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors Yes 1) AUS / DU findings Recommendation is Refer with Caution. 2). Missing Evidence of Assets to XXX Savings Account in the amount of $XXX (No Data) (No Data) (No Data) Not Applicable Complete
948DD6E0-D81A-4281-8114-524EB4B2BA44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance RESPA Active B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure is missing from the file. (No Data) (No Data) (No Data) Not Applicable Complete
948DD6E0-D81A-4281-8114-524EB4B2BA44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing evidence borrower received an initial CD in a minimum of 3 days prior to consummation (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete
948DD6E0-D81A-4281-8114-524EB4B2BA44 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX MI QM: Rebuttable Presumption ATR Risk: Non-QM - Lender did not document all ATR UW factors C C C C Compliance TILA/RESPA Integrated Disclosure Active C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Zero tolerance due to increase in seller paid Transfer Taxes Aggregate by $1,470.60. Missing COC or evidence of refund to borrower (No Data) Applicable Statute of Limitation has expired. Final grade B, non-material. (No Data) Not Applicable Complete