EX-99.1 3 efc20-670_ex991s2a.htm SCHEDULE 2(A) - COMPLIANCE REPORT
Unique ID Last Name Purpose Occupancy Note Date State Original Loan Amount Loan Status Exception Date Exception Category Exception Subcategory Exception Type Exception Status Status Change Date Exception Grade Loan Exception ID Exception Exception Detail Exception Information Compensating Factors Seller Comments Buyer Comments Reviewer Comments Exception Remediation
95001798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Application / Processing Credit Open   2 6456608 Missing Document: Missing Final 1003             Provide missing documentation
95001798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Closing / Title Credit Open   2 6456700 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457271 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
95001798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457273 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457282 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.37100% is underdisclosed from calculated APR of 7.76272% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457283 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $608,267.14 is underdisclosed from calculated Finance Charge of $631,299.87 in the amount of $23,032.73. Index used was 3.94% but closest Index available in the look back period is 4.34%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001798 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   3 6476780 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001918 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458978 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
95001918 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458980 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001918 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458981 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001918 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458982 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001918 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458983 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $225,269.37 is underdisclosed from calculated Finance Charge of $230,580.39 in the amount of $5,311.02. Under disclosure is due to the TIL using an index of 4.897% per the final approval but the lowest index available in the lookback period stated on the note is 4.99667%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001918 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6475771 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003873 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6474196 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $359,637.54 is underdisclosed from calculated Finance Charge of $381,690.37 in the amount of $22,052.83. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003873 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483031 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95003873 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483032 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003873 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483033 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003873 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483034 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002859 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Closing / Title Credit Open   2 6457648 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Homestead Exemption Waiver            
95002859 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457944 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95002859 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457945 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002859 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457946 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002859 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6476602 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $219,513.69 is underdisclosed from calculated Finance Charge of $232,738.62 in the amount of $13,224.93. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002565 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Application / Processing Credit Open   2 6453736 Missing Document: Missing Final 1003             Provide missing documentation
95002565 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   3 6494326 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002565 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6494386 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
95002565 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6494387 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002565 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6494388 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002565 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6494389 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000504 XXX Refinance Rate/Term Primary 11/XX/2004 IL $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6454776 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $126,787.83 is underdisclosed from calculated Finance Charge of $128,995.47 in the amount of $2,207.64. The approval indicates the index used to calcuate the TIL payment streams is 1.97% but the lowest index available in the look back period is 2.02%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001972 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457171 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95001972 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457172 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001972 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457173 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001972 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6477757 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001972 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6477758 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $263,748.83 is underdisclosed from calculated Finance Charge of $267,646.56 in the amount of $3,897.73. Closing instructions indicate that the lender used an index of 4.49%, The closest index in our look-back period is 4.65%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004243 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 05/14/2018 Compliance State Compliance Compliance Open   2 6474132 Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.            
95004243 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 05/14/2018 Compliance State Compliance Compliance Open   2 6474133 Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.            
95004243 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 05/14/2018 Compliance State Compliance Compliance Open   2 6474134 Michigan Consumer Mortgage Protection Act (Counseling Agencies List) Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.            
95004243 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6474136 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004243 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483608 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
95004243 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483609 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004243 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483610 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $142,217.70 is underdisclosed from calculated Finance Charge of $143,847.73 in the amount of $1,630.03. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004243 XXX Refinance Cash-out - Other Primary 10/XX/2006 MI $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6515303 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001957 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Application / Processing Credit Open   2 6456888 Missing Document: Missing Final 1003             Provide missing documentation
95001957 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Closing / Title Credit Open   2 6457148 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001957 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6457221 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $342,784.80 is underdisclosed from calculated Finance Charge of $351,121.38 in the amount of $8,336.58. Per the closing instructions the lender used an index of 4.897%. The closest index in the look-back period is 4.99667%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001957 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478225 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95001957 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478226 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001957 XXX Refinance Cash-out - Other Primary 11/XX/2006 AZ $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478227 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000346 XXX Refinance Rate/Term Primary 7/XX/2004 TX $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478682 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
95000346 XXX Refinance Rate/Term Primary 7/XX/2004 TX $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478683 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $62,466.53 is underdisclosed from calculated Finance Charge of $63,058.33 in the amount of $591.80. Closing instructions indicate the Index used was 1.083%. The closest Index available in the look-back period is 1.11833%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000346 XXX Refinance Rate/Term Primary 7/XX/2004 TX $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479399 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000346 XXX Refinance Rate/Term Primary 7/XX/2004 TX $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479400 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000346 XXX Refinance Rate/Term Primary 7/XX/2004 TX $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6479410 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002575 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NJ $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Application / Processing Credit Open   2 6458237 Missing Document: Missing Final 1003             Provide missing documentation
95002575 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NJ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484715 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
95002575 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NJ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484716 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002575 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 NJ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484717 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001466 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6641987 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001466 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669787 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95001466 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670099 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95001466 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6688303 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $268376.26 is underdisclosed from calculated Finance Charge of $280252.93 in the amount of $-11876.67. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.36%. Truth In Lending Act: Final TIL APR of 6.768% is underdisclosed from calculated APR of 6.912% in the amount of -0.144%. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.36%.          
95000580 XXX Purchase Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458920 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000580 XXX Purchase Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458921 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000580 XXX Purchase Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458922 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000580 XXX Purchase Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458923 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000580 XXX Purchase Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6478574 Missing Document: Missing Final 1003             Provide missing documentation
95000580 XXX Purchase Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   3 6499281 Missing Valuation:   Appraisal not provided         Provide missing documentation
95000580 XXX Purchase Primary 3/XX/2005 AZ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6499858 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $221,214.38 is underdisclosed from calculated Finance Charge of $225,258.88 in the amount of $4,044.50. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003384 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6461441 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $243,576.88 is underdisclosed from calculated Finance Charge of $254,637.78 in the amount of $11,060.90. Per closing instructions the lender used an index of 2.97%. The closest index in our look-back period is 3.14%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003384 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478562 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95003384 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478563 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003384 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478564 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003384 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478565 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001552 XXX Refinance Rate/Term Primary 3/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458781 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001552 XXX Refinance Rate/Term Primary 3/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458782 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001552 XXX Refinance Rate/Term Primary 3/XX/2006 AZ $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6458783 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $470,641.90 is underdisclosed from calculated Finance Charge of $495,741.42 in the amount of $25,099.52. Closing instructions indicate the Index used was 3.36%. The lowest Index available within the look-back period is 3.56%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001694 XXX Refinance Cash-out - Other Investment 6/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Application / Processing Credit Open   2 6459092 Missing Document: Missing Final 1003             Provide missing documentation
95001694 XXX Refinance Cash-out - Other Investment 6/XX/2006 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Closing / Title Credit Open   2 6459187 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001694 XXX Refinance Cash-out - Other Investment 6/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   3 6500805 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001781 XXX Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6641930 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001781 XXX Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665116 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001781 XXX Refinance Cash-out - Other Primary 8/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6688479 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $283876.40 is underdisclosed from calculated Finance Charge of $02358.32 in the amount of $18481.92. Approval indicates the lender used a lower index value than permitted in the lookback period. Truth In Lending Act: Final TIL APR of 7.324% is underdisclosed from calculated APR of 7.645% in the amount of -0.321%. Approval indicates the lender used a lower index value than permitted in the lookback period.          
95004151 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6641577 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004151 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6641579 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95004151 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6641581 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004151 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6641582 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004151 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6641583 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
95004107 XXX Refinance Rate/Term Primary 9/XX/2006 CA $XXX Loan Review Complete 05/13/2018 Compliance Federal Compliance Compliance Open   2 6466404 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95004107 XXX Refinance Rate/Term Primary 9/XX/2006 CA $XXX Loan Review Complete 05/13/2018 Compliance Federal Compliance Compliance Open   2 6466405 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004107 XXX Refinance Rate/Term Primary 9/XX/2006 CA $XXX Loan Review Complete 05/13/2018 Compliance Federal Compliance Compliance Open   2 6466406 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004107 XXX Refinance Rate/Term Primary 9/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479706 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.57100% is underdisclosed from calculated APR of 7.94061% outside of 0.125% tolerance. The approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004107 XXX Refinance Rate/Term Primary 9/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479707 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $547,542.30 is underdisclosed from calculated Finance Charge of $571,096.92 in the amount of $23,554.62. The approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004977 XXX Refinance Rate/Term Primary 11/XX/2007 TX $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Closing / Title Credit Open   2 6461008 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000959 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Application / Processing Credit Open   2 6459312 Missing Document: Missing Final 1003             Provide missing documentation
95000959 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Closing / Title Credit Open   2 6461080 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000959 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6461174 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95000959 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6461176 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000959 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503927 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $215,806.92 is underdisclosed from calculated Finance Charge of $225,903.49 in the amount of $10,096.57. Approval indicates the Lender used an index of 1.836% but the lowest index in the look back period is 1.99583%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000179 XXX Purchase Primary 11/XX/2003 MA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478543 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
95000179 XXX Purchase Primary 11/XX/2003 MA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6503480 Missing Document: Missing Final 1003             Provide missing documentation
95000179 XXX Purchase Primary 11/XX/2003 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6512903 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003316 XXX Purchase Primary 10/XX/2005 NC $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6470048 Missing Document: Missing Final 1003             Provide missing documentation
95003316 XXX Purchase Primary 10/XX/2005 NC $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470961 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003316 XXX Purchase Primary 10/XX/2005 NC $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470962 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003316 XXX Purchase Primary 10/XX/2005 NC $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470964 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $239,828.34 is underdisclosed from calculated Finance Charge of $249,251.63 in the amount of $9,423.29. Closing instructions indicate the Index used was 2.89%. The lowest Index available within the look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003316 XXX Purchase Primary 10/XX/2005 NC $XXX Loan Review Complete 05/14/2018 Compliance State Compliance Compliance Open   2 6471309 North Carolina First Lien Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 4% maximum per state (NC)          
95001974 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644689 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001974 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6644690 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001974 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644691 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001974 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665212 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $497,763.14 is underdisclosed from calculated Finance Charge of $497,866.81 in the amount of $103.67. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003979 XXX Refinance Rate/Term Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6641827 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003979 XXX Refinance Rate/Term Primary 7/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669694 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003979 XXX Refinance Rate/Term Primary 7/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669695 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.76900% is underdisclosed from calculated APR of 7.08605% outside of 0.125% tolerance. Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003979 XXX Refinance Rate/Term Primary 7/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669696 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $513,291.19 is underdisclosed from calculated Finance Charge of $557,958.90 in the amount of $44,667.71. Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000586 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6461983 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
95000586 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6461984 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95000586 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6461985 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000586 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6461986 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000586 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6461987 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000586 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6480193 Missing Document: Missing Final 1003             Provide missing documentation
95000586 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480971 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $181,510.63 is underdisclosed from calculated Finance Charge of $190,839.34 in the amount of $9,328.71. The approval indicates the lender used an index of 1.277% but the lowest index in the look back period is %. In addition it appears the loan is under disclosed by $216 for fees but the itemization of prepaid finance charges is missing.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000586 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   3 6504025 Missing Valuation:   Appraisal not provided         Provide missing documentation
95003813 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6640892 Missing Document: Missing Final 1003             Provide missing documentation
95003813 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6644815 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003813 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645060 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003813 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645065 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95003813 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665498 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95003813 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Loan Package Documentation Application / Processing Credit Open   3 6684632 Missing Valuation:   Appraisal not provided         Provide missing documentation
95003813 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6687800 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $259759.23 is underdisclosed from calculated Finance Charge of $272290.75 in the amount of $-12531.52. Approval indicates the index used was 3.56%. The lowest index available within the look-back period is 3.79%. Truth In Lending Act: Final TIL APR of 7.135% is underdisclosed from calculated APR of 7.322% in the amount of -0.187%. Approval indicates the index used was 3.56%. The lowest index available within the look-back period is 3.79%.          
95000294 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6462280 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
95000294 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6462281 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000294 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6462282 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000294 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/11/2018 Compliance Federal Compliance Compliance Open   2 6462284 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95000294 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481122 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000294 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481123 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $195,612.48 is underdisclosed from calculated Finance Charge of $195,667.52 in the amount of $55.04. Unable to determine under disclosure due to missing Itemization of prepaid finance charges. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003472 XXX Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6642760 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003472 XXX Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642761 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003472 XXX Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642762 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003472 XXX Refinance Cash-out - Other Primary 1/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669316 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $318,004.25 is underdisclosed from calculated Finance Charge of $326,880.08 in the amount of $8,875.83. Under disclosure on Pick-A-Payment Neg Am Note appears to be due to Index on approval is 3.14% while lowest Index in look-back period is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003780 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646529 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95003780 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646534 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003780 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6646546 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003780 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6683964 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $574086.37 is underdisclosed from calculated Finance Charge of $586964.08 in the amount of $-12877.71. Approval indicates the index used was 3.56%. The lowest index available within the look-back period is 3.66%.          
95000814 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/11/2018 Loan Package Documentation Application / Processing Credit Open   2 6462821 Missing Document: Missing Final 1003             Provide missing documentation
95000814 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6481288 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000814 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481593 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $426,537.34 is underdisclosed from calculated Finance Charge of $446,218.57 in the amount of $19,681.23. Approval indicates the Index used was 2.492%. The closest Index available in our look-back period is 2.65833%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001005 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/12/2018 Loan Package Documentation Application / Processing Credit Open   2 6463081 Missing Document: Missing Final 1003             Provide missing documentation
95001005 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463088 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95001005 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463089 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95001005 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463090 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001005 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463092 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001005 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481448 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
95001005 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6515145 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001005 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518179 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $456,427.24 is underdisclosed from calculated Finance Charge of $479,831.59 in the amount of $23,404.35. Approval indicates the Index used was 2.52%. The closest Index available in our look-back period is 2.70%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003598 XXX Refinance Cash-out - Other Investment 2/XX/2006 MD $XXX Loan Review Complete 05/14/2018 Compliance State Compliance Compliance Open   2 6478983 Note Error: Note late charge percentage exceeds maximum per state   6% late charge exceeds 5% maximum per state MD.          
95003598 XXX Refinance Cash-out - Other Investment 2/XX/2006 MD $XXX Loan Review Complete 05/14/2018 Compliance State Compliance Compliance Open   2 6479813 Maryland Late Charge Grace Period Testing Note grace period less than minimum per state. 10 day grace period less than 15 day minimum per state (MD)          
95003598 XXX Refinance Cash-out - Other Investment 2/XX/2006 MD $XXX Loan Review Complete 05/14/2018 Compliance State Compliance Compliance Open   2 6479814 Maryland Late Charge Percent and Amount Testing Note late charge exceeds maximum per state. 6% late charge exceeds 5% maximum per state MD          
95003598 XXX Refinance Cash-out - Other Investment 2/XX/2006 MD $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484756 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95000552 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/12/2018 Loan Package Documentation Application / Processing Credit Open   2 6463222 Missing Document: Missing Final 1003             Provide missing documentation
95000552 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463401 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000552 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463402 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000552 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6515146 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002439 XXX Refinance Cash-out - Debt Consolidation Investment 8/XX/2002 CO $XXX Loan Review Complete 05/12/2018 Loan Package Documentation Application / Processing Credit Open   2 6463608 Missing Document: Missing Final 1003             Provide missing documentation
95002439 XXX Refinance Cash-out - Debt Consolidation Investment 8/XX/2002 CO $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6524448 Note Error: Note late charge percentage exceeds maximum per state   Late charge not allowed per state (CO) - max late charge for CO is 5% - note states 6%          
95000834 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MD $XXX Loan Review Complete 05/12/2018 Loan Package Documentation Application / Processing Credit Open   2 6463562 Missing Document: Missing Final 1003             Provide missing documentation
95000834 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MD $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463789 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95000834 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MD $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463790 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
95000834 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MD $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6463792 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000834 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 MD $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484863 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000359 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/12/2018 Loan Package Documentation Application / Processing Credit Open   2 6463859 Missing Document: Missing Final 1003             Provide missing documentation
95000359 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6464148 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95000359 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6546062 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $255,172.15 is underdisclosed from calculated Finance Charge of $263,762.86 in the amount of $8590.71. The loan commitment reflects an index of 1.355% was used at closing however 1.56% is the lowest available in the lookback period.          
95001865 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6642355 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001865 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642649 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001865 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642650 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001865 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642651 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.65200% is underdisclosed from calculated APR of 8.02828% outside of 0.125% tolerance. Approval indicates the Index used was 4.11%. The closest Index available in our look-back period is 4.49%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001865 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642652 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $393,607.90 is underdisclosed from calculated Finance Charge of $412,458.72 in the amount of $18,850.82. Approval indicates the Index used was 4.11%. The closest Index available in our look-back period is 4.49%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003145 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6464357 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $488,521.33 is underdisclosed from calculated Finance Charge of $515,299.29 in the amount of $26,777.96. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003145 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   2 6484860 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (CA) - max prepayment charge for CA loan is 6 months interest > 20% - note states 2%, 2%, 2%. Lender is World Savings Bank          
95000347 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2004 CA $XXX Loan Review Complete 05/12/2018 Loan Package Documentation Application / Processing Credit Open   2 6464391 Missing Document: Missing Final 1003             Provide missing documentation
95000347 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484996 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $251,097.79 is underdisclosed from calculated Finance Charge of $251,339.33 in the amount of $241.54. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000347 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6515147 Missing Valuation:   Appraisal not provided         Provide missing documentation
95000420 XXX Purchase Primary 9/XX/2004 CA $XXX Loan Review Complete 05/12/2018 Loan Package Documentation Application / Processing Credit Open   2 6464971 Missing Document: Missing Final 1003             Provide missing documentation
95000420 XXX Purchase Primary 9/XX/2004 CA $XXX Loan Review Complete 05/12/2018 Compliance Miscellaneous Compliance Compliance Open   2 6465017 (Doc Error) Initial GFE not provided              
95000420 XXX Purchase Primary 9/XX/2004 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6465025 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000420 XXX Purchase Primary 9/XX/2004 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6465039 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $336,504.94 is underdisclosed from calculated Finance Charge of $341,839.94 in the amount of $5,335.00. Lender's approval indicates the Index used was 1.162%. The lowest Index available within the look-back period is 1.21167%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002891 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6469436 Missing Document: Missing Final 1003             Provide missing documentation
95004336 XXX Refinance Cash-out - Other Primary 11/XX/2006 WA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6465384 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95004336 XXX Refinance Cash-out - Other Primary 11/XX/2006 WA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6465387 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95000150 XXX Refinance Cash-out - Other Primary 8/XX/2003 CA $XXX Loan Review Complete 05/12/2018 Loan Package Documentation Application / Processing Credit Open   2 6465160 Missing Document: Missing Final 1003             Provide missing documentation
95000150 XXX Refinance Cash-out - Other Primary 8/XX/2003 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6465374 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2003.           Provide missing documentation
95000150 XXX Refinance Cash-out - Other Primary 8/XX/2003 CA $XXX Loan Review Complete 05/12/2018 Compliance Federal Compliance Compliance Open   2 6465377 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003141 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6483945 Missing Document: Missing Final 1003             Provide missing documentation
95003141 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496145 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.61300% is underdisclosed from calculated APR of 5.87985% outside of 0.125% tolerance. Approval indicate the Index used was 2.70%. The closest Index available in our look-back period is 2.97%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003141 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496147 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $431,951.36 is underdisclosed from calculated Finance Charge of $465,461.79 in the amount of $33,510.43. Approval indicate the Index used was 2.70%. The closest Index available in our look-back period is 2.97%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003141 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6506146 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95005177 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 AZ $XXX Loan Review Complete 05/13/2018 Compliance Federal Compliance Compliance Open   2 6466322 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008.           Provide missing documentation
95005177 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 AZ $XXX Loan Review Complete 05/13/2018 Loan Package Documentation Closing / Title Credit Open   2 6466334 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000684 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/13/2018 Loan Package Documentation Application / Processing Credit Open   2 6467414 Missing Document: Missing Final 1003             Provide missing documentation
95000684 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/13/2018 Compliance Federal Compliance Compliance Open   2 6467434 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
95000684 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/13/2018 Compliance Federal Compliance Compliance Open   2 6467436 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000684 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/13/2018 Compliance Federal Compliance Compliance Open   2 6467438 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $367,895.24 is underdisclosed from calculated Finance Charge of $381,935.59 in the amount of $14,040.35. Conditional Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000684 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/13/2018 Loan Package Documentation Closing / Title Credit Open   2 6467440 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Homestead Exemption Waiver            
95004528 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MD $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6467761 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
95004528 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 MD $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6467799 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Homestead Exemption Waiver            
95001358 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6468338 Missing Document: Missing Final 1003             Provide missing documentation
95001358 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6468617 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95001358 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6468618 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95001358 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6468619 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001358 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6468620 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001358 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6468621 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001358 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518772 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $779,083.83 is underdisclosed from calculated Finance Charge of $795,178.99 in the amount of $16,095.16. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001699 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6470434 Missing Document: Missing Final 1003             Provide missing documentation
95001699 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470635 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001699 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470639 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95001699 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470641 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95001699 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470642 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001699 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470645 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001699 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470648 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $280,854.19 is underdisclosed from calculated Finance Charge of $289,914.97 in the amount of $9,060.78. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003394 XXX Refinance Cash-out - Other Investment 12/XX/2005 AZ $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6470908 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95003394 XXX Refinance Cash-out - Other Investment 12/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6512668 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003970 XXX Purchase Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Miscellaneous Compliance Compliance Open   2 6644630 (Doc Error) Initial GFE not provided              
95003970 XXX Purchase Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644990 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003970 XXX Purchase Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644991 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003970 XXX Purchase Primary 7/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665180 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
95004656 XXX Refinance Cash-out - Debt Consolidation Investment 8/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6643045 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004656 XXX Refinance Cash-out - Debt Consolidation Investment 8/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   3 6643309 Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) The Initial Broker Application indicates the subject property is the borrower's primary residence. However, the Lender's Final Loan Application indicates the property is an investment property. The loan does not pass state high cost testing when submitted as a primary residence.          
95004656 XXX Refinance Cash-out - Debt Consolidation Investment 8/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6643310 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95003820 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6470873 Missing Document: Missing Final 1003             Provide missing documentation
95003820 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6472997 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95003820 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6472998 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95003820 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6472999 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003820 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6486830 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $235,589.71 is underdisclosed from calculated Finance Charge of $249,366.95 in the amount of $13,777.24. An approval indicates that the lender used an index of 3.56%. The closest index in our look-back period is 3.79%. This has caused an under disclosure in the payment stream of $14,618.33.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000558 XXX Refinance Rate/Term Primary 2/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6472781 Missing Document: Missing Final 1003             Provide missing documentation
95000558 XXX Refinance Rate/Term Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6487534 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
95000558 XXX Refinance Rate/Term Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6487535 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000558 XXX Refinance Rate/Term Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6487536 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $291,098.49 is underdisclosed from calculated Finance Charge of $298,632.28 in the amount of $7,533.79. Conditional Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001298 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6473813 Missing Document: Missing Final 1003             Provide missing documentation
95001298 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6473989 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001298 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6473994 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95001298 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6473996 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95001298 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6473997 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001298 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6473999 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001298 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518836 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $537,006.46 is underdisclosed from calculated Finance Charge of $560,893.14 in the amount of $23,886.68. Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004061 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6474800 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004061 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6474806 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.45500% is underdisclosed from calculated APR of 7.84979% outside of 0.125% tolerance. An approval in the file indicates that the lender used an index of 3.94%. The closest index in our look-back period is 4.34%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004061 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6474807 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $642,679.59 is underdisclosed from calculated Finance Charge of $667,177.63 in the amount of $24,498.04. An approval in the file indicates that the lender used an index of 3.94%. The closest index in our look-back period is 4.34% This has caused a payment variance of $24,499.56.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004061 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488185 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95004061 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488186 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004061 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488187 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004061 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488188 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001909 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6476627 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
95001909 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6476628 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95001909 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6476629 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001909 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6476630 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001909 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6488141 Missing Document: Missing Final 1003             Provide missing documentation
95000476 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6475239 Missing Document: Missing Final 1003             Provide missing documentation
95000476 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478032 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000476 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478034 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95000476 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478036 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000476 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6478038 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000476 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488460 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000476 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518898 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $371,115.39 is underdisclosed from calculated Finance Charge of $384,948.21 in the amount of $13,832.82. Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001529 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6643519 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001529 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6643520 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.92600% is underdisclosed from calculated APR of 6.22967% outside of 0.125% tolerance. Loan approval indicates the Index used was 3.240%. The lowest Index available within the look-back period is 3.560%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001529 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6643521 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $396,611.43 is underdisclosed from calculated Finance Charge of $422,370.62 in the amount of $25,759.19. Loan approval indicates the Index used was 3.240%. The lowest Index available within the look-back period is 3.560%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000998 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6473594 Missing Document: Missing Final 1003             Provide missing documentation
95000998 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6475495 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000998 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6475496 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95000998 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6475497 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000998 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6475498 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000998 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488393 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $387,989.68 is underdisclosed from calculated Finance Charge of $408,018.83 in the amount of $20,029.15. An approval indicates that the lender used an index of 2.52%. The closest index in our look-back period is 2.7%. This has caused a payment variance of $20,034.27.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003447 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6475215 Missing Document: Missing Final 1003             Provide missing documentation
95003447 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517736 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $486,354.71 is underdisclosed from calculated Finance Charge of $510,119.76 in the amount of $23,765.05. The approval indicates an index of 3.6% was used but the lowest index in the look back is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002353 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6481349 Missing Document: Missing Final 1003             Provide missing documentation
95002353 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481754 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
95002353 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481756 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95002353 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481757 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002353 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481758 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002353 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481842 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $550,767.73 is underdisclosed from calculated Finance Charge of $554,705.79 in the amount of $3,938.06. Loan Application/Commitment Recap indicates the Index used was 4.74%. The closest Index available in our look-back period is 4.79%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002353 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6512671 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002353 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6515149 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002297 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6476184 Missing Document: Missing Final 1003             Provide missing documentation
95002297 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488977 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
95002297 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488978 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002297 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488979 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002297 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488980 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004287 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6488876 Missing Document: Missing Final 1003             Provide missing documentation
95004287 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489203 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
95004287 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489204 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004287 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489205 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004287 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489206 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004287 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518970 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $502,764.05 is underdisclosed from calculated Finance Charge of $514,734.96 in the amount of $11,970.91. Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 4.99667%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003836 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647926 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95003836 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6647927 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003836 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647928 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003836 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6688502 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $295087.32 is underdisclosed from calculated Finance Charge of $309924.39 in the amount of $14837.07. Approval indicates the lender used a lower index value than permitted in the lookback period. Truth In Lending Act: Final TIL APR of 7.257% is underdisclosed from calculated APR of 7.482% in the amount of -0.225%. Approval indicates the lender used a lower index value than permitted in the lookback period.          
95001866 XXX Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6645269 Missing Document: Missing Final 1003             Provide missing documentation
95001866 XXX Refinance Cash-out - Other Primary 10/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646878 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001405 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644554 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95001405 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644557 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001405 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644558 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001405 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644559 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $310,271.55 is underdisclosed from calculated Finance Charge of $318,495.34 in the amount of $8,223.79. Closing instructions indicate the Index used was 3.06%. The closest Index available in our look-back period is 3.24%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001405 XXX Refinance Cash-out - Other Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Miscellaneous Compliance Compliance Cleared 06/07/2018 1 6644591 This High Cost loan contains one or more prohibited practice exceptions           (2018/XX/07): High Cost not applicable  
95004954 XXX Refinance Rate/Term Primary 11/XX/2007 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6477062 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004954 XXX Refinance Rate/Term Primary 11/XX/2007 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6477258 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95004954 XXX Refinance Rate/Term Primary 11/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6559548 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $435,975.58 is underdisclosed from calculated Finance Charge of $437,928.35 in the amount of $1,952.77. Approval indicates the Index used was 4.88%. The lowest Index available within the look-back period is 4.9%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000847 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6476800 Missing Document: Missing Final 1003             Provide missing documentation
95000847 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6477161 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000847 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6477287 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $347,133.10 is underdisclosed from calculated Finance Charge of $354,696.27 in the amount of $7,563.17. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000847 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488894 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
95000847 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488895 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000847 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 MD $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488896 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000127 XXX Refinance Rate/Term Primary 6/XX/2003 MD $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6479976 Missing Document: Missing Final 1003             Provide missing documentation
95000127 XXX Refinance Rate/Term Primary 6/XX/2003 MD $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480077 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2003.           Provide missing documentation
95000127 XXX Refinance Rate/Term Primary 6/XX/2003 MD $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480079 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000127 XXX Refinance Rate/Term Primary 6/XX/2003 MD $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480082 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000127 XXX Refinance Rate/Term Primary 6/XX/2003 MD $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6480203 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Homestead Exemption Waiver            
95002879 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536434 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $255,572.22 is underdisclosed from calculated Finance Charge of $268,744.95 in the amount of $13,172.73. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002879 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6538250 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001634 XXX Purchase Primary 4/XX/2006 CT $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480000 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $575,841.59 is underdisclosed from calculated Finance Charge of $607,027.54 in the amount of $31,185.95. Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001634 XXX Purchase Primary 4/XX/2006 CT $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489436 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95001634 XXX Purchase Primary 4/XX/2006 CT $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489437 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001634 XXX Purchase Primary 4/XX/2006 CT $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489438 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001634 XXX Purchase Primary 4/XX/2006 CT $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489439 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002833 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479378 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $228,732.87 is underdisclosed from calculated Finance Charge of $243,212.04 in the amount of $14,479.17. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002833 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489325 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95002833 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489326 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002833 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489328 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002616 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6478495 Missing Document: Missing Final 1003             Provide missing documentation
95002616 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479305 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
95002616 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479306 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002616 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479307 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002616 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6479308 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002616 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525293 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $178,941.56 is underdisclosed from calculated Finance Charge of $180,271.34 in the amount of $1,329.78. The approval indicates the Index used was 1.083%. The closest Index in our look-back period is 1.11833%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003930 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6478480 Missing Document: Missing Final 1003             Provide missing documentation
95003930 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480325 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95003930 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480326 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003930 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480327 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95003930 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480328 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.22400% is underdisclosed from calculated APR of 7.48907% outside of 0.125% tolerance. Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003930 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480329 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $665,339.17 is underdisclosed from calculated Finance Charge of $713,235.08 in the amount of $47,895.91. Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003036 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481571 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95003036 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481572 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003036 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481573 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
95003036 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481574 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003036 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481576 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $263,383.24 is underdisclosed from calculated Finance Charge of $280,348.22 in the amount of $16,964.98. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003036 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6481577 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003036 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6501188 Missing Document: Missing Final 1003             Provide missing documentation
95003525 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6644943 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003525 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6645279 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003525 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645443 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $529,060.15 is underdisclosed from calculated Finance Charge of $561,006.76 in the amount of $31,946.61. It appears underdisclosure is due to the index used; lowest lookback available 3.36% vs 3.140% as shown on approval in file.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003525 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665348 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95001424 XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537350 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001424 XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537352 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95001424 XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537353 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001424 XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537354 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001424 XXX Refinance Cash-out - Other Primary 1/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537728 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $199,766.70 is underdisclosed from calculated Finance Charge of $211,199.59 in the amount of $11,432.89. Approval indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001404 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501414 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95001404 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508285 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001404 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508286 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001404 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508287 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95001190 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6479191 Missing Document: Missing Final 1003             Provide missing documentation
95001190 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480950 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95001190 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480951 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001190 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6480952 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $233,517.07 is underdisclosed from calculated Finance Charge of $243,606.52 in the amount of $10,089.45. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004987 XXX Refinance Cash-out - Debt Consolidation Investment 12/XX/2007 FL $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6515150 Missing Valuation:   Appraisal not provided         Provide missing documentation
95004372 XXX Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482793 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
95004372 XXX Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482794 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004372 XXX Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482795 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $407,946.74 is underdisclosed from calculated Finance Charge of $412,400.95 in the amount of $4,454.21. Closing instructions indicate the Index used was 4.997%. The lowest Index available within the look-back period is 5.08083%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004372 XXX Refinance Cash-out - Other Primary 12/XX/2006 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503373 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95004687 XXX Refinance Rate/Term Primary 9/XX/2007 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492547 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
95004687 XXX Refinance Rate/Term Primary 9/XX/2007 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492548 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004687 XXX Refinance Rate/Term Primary 9/XX/2007 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492550 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004687 XXX Refinance Rate/Term Primary 9/XX/2007 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6506214 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95003579 XXX Refinance Rate/Term Primary 2/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6491276 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003579 XXX Refinance Rate/Term Primary 2/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492314 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003579 XXX Refinance Rate/Term Primary 2/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492316 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95003579 XXX Refinance Rate/Term Primary 2/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500849 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $285,555.25 is underdisclosed from calculated Finance Charge of $302,370.23 in the amount of $16,814.98. Approval indicates the Index used was 3.24%. The closest Index available in our look-back period is 3.46%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003324 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6480901 Missing Document: Missing Final 1003             Provide missing documentation
95003324 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482245 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95003324 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482246 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003324 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482247 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003324 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482248 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003324 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519092 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $236,076.80 is underdisclosed from calculated Finance Charge of $246,620.72 in the amount of $10,543.92. Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003727 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6505431 Missing Document: Missing Final 1003             Provide missing documentation
95003727 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505486 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003727 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505488 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003727 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513513 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95003727 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513514 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003727 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513515 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003727 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524547 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $554,092.06 is underdisclosed from calculated Finance Charge of $568,105.26 in the amount of $14,013.20. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001575 XXX Purchase Second Home 3/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511729 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001575 XXX Purchase Second Home 3/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511730 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95001575 XXX Purchase Second Home 3/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520674 Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) Loan passes High Cost testing when tested as a primary residence          
95001575 XXX Purchase Second Home 3/XX/2006 FL $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560286 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $382,086.45 is underdisclosed from calculated Finance Charge of $384,084.92 in the amount of $1,998.47. Truth In Lending Act: Final TIL APR of 6.644% is underdisclosed from calculated APR of 6.842% in the amount of 0.1978%. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period.          
95005100 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483613 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95005100 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483614 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95005100 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6483617 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004311 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6481338 Missing Document: Missing Final 1003             Provide missing documentation
95004311 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6482349 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004311 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482546 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95004311 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482547 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004311 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6482549 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004311 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506337 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004311 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506338 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,243,860.41 is underdisclosed from calculated Finance Charge of $1,255,855.49 in the amount of $11,995.08. Loan Approval indicates the index used was 4.897%. The closest index available in our look-back period is 5.08083%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001327 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6489133 Missing Document: Missing Final 1003             Provide missing documentation
95001327 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491717 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001327 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491718 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95001327 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491720 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001327 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491722 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001327 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491723 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
95001327 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506571 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001327 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519132 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $952,887.10 is underdisclosed from calculated Finance Charge of $972,953.38 in the amount of $20,066.28. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002342 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492160 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
95002342 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492161 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002342 XXX Refinance Cash-out - Other Primary 2/XX/2008 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6492265 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003211 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6484456 Missing Document: Missing Final 1003             Provide missing documentation
95003211 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6484561 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003211 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484583 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $363,546.51 is underdisclosed from calculated Finance Charge of $383,043.97 in the amount of $19,497.46. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Application / Processing Credit Open   2 6484195 Missing Document: Missing Final 1003             Provide missing documentation
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Loan Package Documentation Closing / Title Credit Open   2 6484236 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6484286 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6484287 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6484288 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6484289 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/14/2018 Compliance Federal Compliance Compliance Open   2 6484291 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $309,458.83 is underdisclosed from calculated Finance Charge of $319,772.00 in the amount of $10,313.17. The approval indicates the index used to calculate the payment streams is 1.451%. The lowest index available in the look back period is 1.56333%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   3 6506689 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95002697 XXX Refinance Rate/Term Primary 1/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506690 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003983 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6484722 Missing Document: Missing Final 1003             Provide missing documentation
95003983 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484794 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95003983 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6484795 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003983 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506987 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003983 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506988 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003983 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506989 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.41100% is underdisclosed from calculated APR of 7.72248% outside of 0.125% tolerance. Approval indicates Index used was 3.79. The closest Index available in our look-back period is 4.11%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003983 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506990 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $410,625.28 is underdisclosed from calculated Finance Charge of $427,792.01 in the amount of $17,166.73. Approval indicates Index used was 3.79. The closest Index available in our look-back period is 4.11%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002162 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506890 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95002162 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506891 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002162 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506892 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003252 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6486114 Missing Document: Missing Final 1003             Provide missing documentation
95003252 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6506886 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95003252 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506916 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $338,349.44 is underdisclosed from calculated Finance Charge of $345,952.42 in the amount of $7,602.98. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004576 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489696 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95004576 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6489697 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95004576 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492006 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $700,746.61 is underdisclosed from calculated Finance Charge of $703,207.99 in the amount of $2,461.38. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004576 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6506957 Missing Document: Missing Final 1003             Provide missing documentation
95004576 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6515151 Missing Valuation:   Appraisal not provided         Provide missing documentation
95000923 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6487184 Missing Document: Missing Final 1003             Provide missing documentation
95000923 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6488164 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000923 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488253 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95000923 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488255 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $292,643.47 is underdisclosed from calculated Finance Charge of $304,196.22 in the amount of $11,552.75. Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003456 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6489322 Missing Document: Missing Final 1003             Provide missing documentation
95003456 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490858 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003456 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490860 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
95003456 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490861 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003456 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490993 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $420,187.72 is underdisclosed from calculated Finance Charge of $440,417.00 in the amount of $20,229.28. Approval indicates the Index used was 3.06%.The closest Index available in our look-back period is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003456 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507546 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95003456 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6512673 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003509 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6509441 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003509 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509784 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95003509 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6509788 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95003509 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520785 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003509 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520786 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003509 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521756 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $109,375.46 is underdisclosed from calculated Finance Charge of $112,415.39 in the amount of $3,039.93. Under disclosure due to lender used index of 3.345%, index available in look back is 3.51167%. Fees were verified to itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003509 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   3 6544857 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95000274 XXX Purchase Primary 4/XX/2004 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6486949 Missing Document: Missing Final 1003             Provide missing documentation
95000274 XXX Purchase Primary 4/XX/2004 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488691 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
95000274 XXX Purchase Primary 4/XX/2004 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488692 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000274 XXX Purchase Primary 4/XX/2004 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488754 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003681 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6488411 Missing Document: Missing Final 1003             Provide missing documentation
95003681 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6488771 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003681 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507293 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95003681 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507294 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003681 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507295 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $240,331.43 is underdisclosed from calculated Finance Charge of $252,679.79 in the amount of $12,348.36. An approval in the file indicates that the lender used an index of 3.36%. The closest index in our look-back period is 3.56%. This has resulted in a payment variance of $12,626.59.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004337 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6488871 Missing Document: Missing Final 1003             Provide missing documentation
95004337 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491537 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95004337 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491539 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004337 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491541 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004337 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491543 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $380,983.64 is underdisclosed from calculated Finance Charge of $388,642.65 in the amount of $7,659.01. Closing Instructions indicate index value used is 4.997%. Closest index available in the look back period is 5.08083%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004337 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6512674 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000386 XXX Purchase Primary 7/XX/2004 NV $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6488358 Missing Document: Missing Final 1003             Provide missing documentation
95000386 XXX Purchase Primary 7/XX/2004 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490924 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
95000386 XXX Purchase Primary 7/XX/2004 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490925 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000386 XXX Purchase Primary 7/XX/2004 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490926 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000386 XXX Purchase Primary 7/XX/2004 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490927 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
95000386 XXX Purchase Primary 7/XX/2004 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491298 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $207,607.36 is underdisclosed from calculated Finance Charge of $207,985.80 in the amount of $378.44. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000386 XXX Purchase Primary 7/XX/2004 NV $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6512675 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002619 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6489352 Missing Document: Missing Final 1003             Provide missing documentation
95002619 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6490118 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002619 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490982 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
95002619 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490983 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002619 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490984 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002619 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490985 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002619 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490986 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $187,512.13 is underdisclosed from calculated Finance Charge of $190,935.37 in the amount of $3,423.24. Loan Application/Commitment Recap indicates the Index used was 1.85%. The closest Index available in our look-back period is 1.91%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002619 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6490987 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
95000703 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491678 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95000703 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491679 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.54600% is underdisclosed from calculated APR of 5.84073% outside of 0.125% tolerance. Loan Application/Commitment Recap indicates the Index used was 2.19%. The closest Index available in the look back period is 2.39%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000703 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491680 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $240,440.44 is underdisclosed from calculated Finance Charge of $254,180.21 in the amount of $13,739.77. Loan Application/Commitment Recap indicates the Index used was 2.19%. The closest Index available in the look back period is 2.39%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000703 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6510314 Missing Document: Missing Final 1003             Provide missing documentation
95000703 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6510521 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95001827 XXX Refinance Cash-out - Other Primary 10/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491621 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95001827 XXX Refinance Cash-out - Other Primary 10/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6491626 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95001827 XXX Refinance Cash-out - Other Primary 10/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491634 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001827 XXX Refinance Cash-out - Other Primary 10/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6491662 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001827 XXX Refinance Cash-out - Other Primary 10/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511973 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001827 XXX Refinance Cash-out - Other Primary 10/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6512039 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not provided to borrower at closing. Acknowledgment of the Fair Market Value provided on 10/XX/2006 was not provided at closing 10/XX/2006.         To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001827 XXX Refinance Cash-out - Other Primary 10/XX/2006 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   2 6544856 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95002546 XXX Refinance Rate/Term Primary 5/XX/2004 OR $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6489332 Missing Document: Missing Final 1003             Provide missing documentation
95002546 XXX Refinance Rate/Term Primary 5/XX/2004 OR $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491812 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
95002546 XXX Refinance Rate/Term Primary 5/XX/2004 OR $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6491813 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001801 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512030 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001801 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512031 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001801 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512032 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001801 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512033 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001801 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512035 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $503,625.95 is underdisclosed from calculated Finance Charge of $524,582.25 in the amount of $20,956.30. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003353 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496354 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $254,884.36 is underdisclosed from calculated Finance Charge of $260,974.94 in the amount of $6,090.58. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003353 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512780 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95003353 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512781 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003353 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512782 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003353 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512783 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003353 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6524288 Missing Valuation:   Appraisal not provided         Provide missing documentation
95003699 XXX Refinance Cash-out - Debt Consolidation Second Home 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524686 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $443,188.14 is underdisclosed from calculated Finance Charge of $455,209.13 in the amount of $12,020.99. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002911 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6492611 Missing Document: Missing Final 1003             Provide missing documentation
95002911 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6492668 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002911 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493220 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $378,555.94 is underdisclosed from calculated Finance Charge of $394,498.79 in the amount of $15,942.85. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001131 XXX Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493534 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001131 XXX Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493540 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95001131 XXX Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493547 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001131 XXX Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493554 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $430,628.77 is underdisclosed from calculated Finance Charge of $453,800.71 in the amount of $23,171.94. Loan Application/Commitment Recap indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001131 XXX Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493572 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001131 XXX Refinance Rate/Term Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6512548 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95002709 XXX Purchase Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6492308 Missing Document: Missing Final 1003             Provide missing documentation
95002709 XXX Purchase Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492853 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
95002709 XXX Purchase Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492854 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002709 XXX Purchase Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6492857 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $382,853.28 is underdisclosed from calculated Finance Charge of $399,764.79 in the amount of $16,911.51. Closing instructions indicate the Index used was 1.277%. The closest index available in our look-back period is 1.355%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002519 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6493115 Missing Document: Missing Final 1003             Provide missing documentation
95002519 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493810 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002519 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493812 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002519 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6513194 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002519 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6513637 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002519 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513680 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
95000728 XXX Purchase Primary 3/XX/2005 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6491602 Missing Document: Missing Final 1003             Provide missing documentation
95000728 XXX Purchase Primary 3/XX/2005 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6494295 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000728 XXX Purchase Primary 3/XX/2005 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6494298 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $76,635.51 is underdisclosed from calculated Finance Charge of $79,393.40 in the amount of $2,757.89. Approval indicates the Index used was 1.693%. The closest Index in our look back period is 1.83583%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000728 XXX Purchase Primary 3/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6524658 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000245 XXX Refinance Cash-out - Other Investment 6/XX/2004 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6493256 Missing Document: Missing Final 1003             Provide missing documentation
95000245 XXX Refinance Cash-out - Other Investment 6/XX/2004 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6493843 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
95003673 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6494879 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003673 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6495713 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95003673 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   2 6495714 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003673 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6495716 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003673 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6495719 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004449 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6494687 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
95004449 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514033 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $301,560.87 is underdisclosed from calculated Finance Charge of $303,552.68 in the amount of $1,991.81. Loan Application/Commitment Recap indicates the Index used was 5.081%. The closest Index available in our look-back period is 5.15333%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004449 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6514186 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000281 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6494959 Missing Document: Missing Final 1003             Provide missing documentation
95000281 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6495679 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $138,224.95 is underdisclosed from calculated Finance Charge of $140,564.07 in the amount of $2,339.12. Approval indicates the Index used was 1.88%. The lowest Index available within the look-back period is 1.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000281 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514704 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
95000281 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514705 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000281 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514706 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000281 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514707 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000281 XXX Purchase Primary 8/XX/2004 VA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6524289 Missing Valuation:   Appraisal not provided         Provide missing documentation
95004555 XXX Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6499286 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $338,027.85 is underdisclosed from calculated Finance Charge of $339,363.24 in the amount of $1,335.39. An approval indicates that the lender used an index of 4.73%. The closest index in our look-back period is 4.79%. This has caused a payment variance.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004555 XXX Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514803 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95004555 XXX Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514804 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004555 XXX Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514806 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004555 XXX Refinance Cash-out - Other Primary 4/XX/2007 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514807 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001445 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6643958 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001445 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6643959 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001445 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644291 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $200,445.06 is underdisclosed from calculated Finance Charge of $212,722.15 in the amount of $12,277.09. Closing instructions indicate the Index used was 3.14%. The closest Index available in our look-back period is 3.36%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002487 XXX Refinance Cash-out - Other Primary 9/XX/2003 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6493926 Missing Document: Missing Final 1003             Provide missing documentation
95002487 XXX Refinance Cash-out - Other Primary 9/XX/2003 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6495218 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95002487 XXX Refinance Cash-out - Other Primary 9/XX/2003 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6495219 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95002487 XXX Refinance Cash-out - Other Primary 9/XX/2003 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6495220 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95002487 XXX Refinance Cash-out - Other Primary 9/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6514796 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95003993 XXX Refinance Cash-out - Home Improvement Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6646383 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003993 XXX Refinance Cash-out - Home Improvement Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Loan Package Documentation Application / Processing Credit Open   2 6665177 Missing Document: Missing Final 1003             Provide missing documentation
95003993 XXX Refinance Cash-out - Home Improvement Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665345 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003993 XXX Refinance Cash-out - Home Improvement Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665346 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95003993 XXX Refinance Cash-out - Home Improvement Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665347 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $305,530.02 is underdisclosed from calculated Finance Charge of $321,924.46 in the amount of $16,394.44. Closing instructions indicate the Index used was 3.884%. The lowest Index available within the look-back period is 4.09%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004199 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6494979 Missing Document: Missing Final 1003             Provide missing documentation
95004199 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496739 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95004199 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496740 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95004199 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496741 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004199 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496742 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004199 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496745 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $339,466.76 is underdisclosed from calculated Finance Charge of $354,780.47 in the amount of $15,313.71. Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 5.15333%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004199 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524690 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.70300% is underdisclosed from calculated APR of 8.07123% outside of 0.125% tolerance. Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 5.15333%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002438 XXX Refinance Cash-out - Other Primary 7/XX/2002 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6496048 Missing Document: Missing Final 1003             Provide missing documentation
95002438 XXX Refinance Cash-out - Other Primary 7/XX/2002 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6497452 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95002438 XXX Refinance Cash-out - Other Primary 7/XX/2002 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6497453 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003502 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6495162 Missing Document: Missing Final 1003             Provide missing documentation
95003502 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6495490 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003502 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496295 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95003502 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496296 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003502 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496297 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003502 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496298 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003502 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6496299 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $287,420.62 is underdisclosed from calculated Finance Charge of $304,341.39 in the amount of $16,920.77. Loan Approval indicates the index used was 3.14%. The closest index available in our look-back period is 3.36%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004413 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6515690 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004413 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515989 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95004413 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515990 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004413 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515991 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004413 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515992 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $325,530.16 is underdisclosed from calculated Finance Charge of $332,659.03 in the amount of $7,128.87. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000655 XXX Refinance Rate/Term Primary 3/XX/2005 NV $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6496735 Missing Document: Missing Final 1003             Provide missing documentation
95000655 XXX Refinance Rate/Term Primary 3/XX/2005 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6497031 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
95000655 XXX Refinance Rate/Term Primary 3/XX/2005 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6497033 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000655 XXX Refinance Rate/Term Primary 3/XX/2005 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6497036 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $201,952.19 is underdisclosed from calculated Finance Charge of $209,597.84 in the amount of $7,645.65. Approval indicates Index used was 1.693%. The closest Index available in our look-back period is 1.8358%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000655 XXX Refinance Rate/Term Primary 3/XX/2005 NV $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6497045 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003823 XXX Refinance Cash-out - Home Improvement Primary 5/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6497199 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95003823 XXX Refinance Cash-out - Home Improvement Primary 5/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6497201 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003823 XXX Refinance Cash-out - Home Improvement Primary 5/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6516375 Missing Document: Missing Final 1003             Provide missing documentation
95003823 XXX Refinance Cash-out - Home Improvement Primary 5/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516675 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $268,864.98 is underdisclosed from calculated Finance Charge of $275,622.60 in the amount of $6,757.62. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000844 XXX Refinance Cash-out - Other Primary 9/XX/2005 MD $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6499931 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000844 XXX Refinance Cash-out - Other Primary 9/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6514960 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000844 XXX Refinance Cash-out - Other Primary 9/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515577 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95000844 XXX Refinance Cash-out - Other Primary 9/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515578 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000844 XXX Refinance Cash-out - Other Primary 9/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515579 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002077 XXX Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6664014 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002077 XXX Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6664015 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95002077 XXX Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6664017 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002077 XXX Refinance Cash-out - Other Primary 5/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6668958 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003634 XXX Refinance Rate/Term Primary 5/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6496127 Missing Document: Missing Final 1003             Provide missing documentation
95003634 XXX Refinance Rate/Term Primary 5/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6497737 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003634 XXX Refinance Rate/Term Primary 5/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6497819 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003634 XXX Refinance Rate/Term Primary 5/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6497821 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95000563 XXX Refinance Cash-out - Other Primary 3/XX/2005 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6496591 Missing Document: Missing Final 1003             Provide missing documentation
95000563 XXX Refinance Cash-out - Other Primary 3/XX/2005 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6498350 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95000563 XXX Refinance Cash-out - Other Primary 3/XX/2005 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6498352 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001905 XXX Refinance Rate/Term Primary 11/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524694 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $283,088.74 is underdisclosed from calculated Finance Charge of $285,803.32 in the amount of $2,714.58. Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 4.99667%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000312 XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6497786 Missing Document: Missing Final 1003             Provide missing documentation
95000312 XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Compliance Open   2 6497883 (Doc Error) TIL Error: Final TIL not signed by all required parties              
95000312 XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6498015 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000312 XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6498016 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
95000312 XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6498017 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000312 XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6498018 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000312 XXX Refinance Cash-out - Other Primary 2/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6498019 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $152,421.14 is underdisclosed from calculated Finance Charge of $160,860.96 in the amount of $8,439.82. Approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.28%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003550 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648543 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95003550 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6648544 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003550 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648546 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
95003550 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648547 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003550 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648549 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003550 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648550 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003550 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6688159 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $212282.85 is underdisclosed from calculated Finance Charge of $218245.13 in the amount of $-5962.28. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.36%. Truth In Lending Act: Final TIL APR of 6.676% is underdisclosed from calculated APR of 6.846% in the amount of -0.17%. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.36%.          
95000119 XXX Refinance Cash-out - Other Primary 11/XX/2003 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6500297 Missing Document: Missing Final 1003             Provide missing documentation
95000119 XXX Refinance Cash-out - Other Primary 11/XX/2003 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6500961 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) Unable to test fair market acknowledgment due to missing information.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95000119 XXX Refinance Cash-out - Other Primary 11/XX/2003 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6500962 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed.           To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95000119 XXX Refinance Cash-out - Other Primary 11/XX/2003 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6500963 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95000119 XXX Refinance Cash-out - Other Primary 11/XX/2003 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500988 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $82,116.17 is underdisclosed from calculated Finance Charge of $82,161.32 in the amount of $45.15. Approval indicate the Index used was 1.194%. The closest Index available in our look-back period is 1.2683%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000119 XXX Refinance Cash-out - Other Primary 11/XX/2003 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6501039 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95000119 XXX Refinance Cash-out - Other Primary 11/XX/2003 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501041 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000119 XXX Refinance Cash-out - Other Primary 11/XX/2003 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517973 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95000345 XXX Refinance Cash-out - Other Primary 7/XX/2004 MO $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6499279 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000345 XXX Refinance Cash-out - Other Primary 7/XX/2004 MO $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6500001 Missing Document: Missing Final 1003             Provide missing documentation
95000345 XXX Refinance Cash-out - Other Primary 7/XX/2004 MO $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500116 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $226,429.07 is underdisclosed from calculated Finance Charge of $227,793.78 in the amount of $1,364.71. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000345 XXX Refinance Cash-out - Other Primary 7/XX/2004 MO $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518398 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
95000345 XXX Refinance Cash-out - Other Primary 7/XX/2004 MO $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518399 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000345 XXX Refinance Cash-out - Other Primary 7/XX/2004 MO $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518400 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000345 XXX Refinance Cash-out - Other Primary 7/XX/2004 MO $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518401 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001992 XXX Refinance Cash-out - Other Primary 12/XX/2006 AZ $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6496786 Missing Document: Missing Final 1003             Provide missing documentation
95001992 XXX Refinance Cash-out - Other Primary 12/XX/2006 AZ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6498221 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001992 XXX Refinance Cash-out - Other Primary 12/XX/2006 AZ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6498222 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95001992 XXX Refinance Cash-out - Other Primary 12/XX/2006 AZ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502078 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
95001992 XXX Refinance Cash-out - Other Primary 12/XX/2006 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518171 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $424,129.29 is underdisclosed from calculated Finance Charge of $428,638.31 in the amount of $4,509.02. Approval indicates the Index used was 4.997%. The lowest Index available within the look-back period is 5.08083%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001992 XXX Refinance Cash-out - Other Primary 12/XX/2006 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518384 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95001098 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6498043 Missing Document: Missing Final 1003             Provide missing documentation
95001098 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500691 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001098 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500692 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95001098 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500693 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001098 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500696 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.26100% is underdisclosed from calculated APR of 6.52147% outside of 0.125% tolerance. An approval indicates that the lender used an index of 2.7%. The closest Index available in our look-back period is 2.97%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001098 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500697 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $195,948.36 is underdisclosed from calculated Finance Charge of $210,810.35 in the amount of $14,861.99. An approval indicates that the lender used an index of 2.7% The closest Index available in our look-back period is 2.97% This has caused a payment variance of $14,951.04.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001098 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6517956 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003237 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502368 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003237 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502370 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $204,732.29 is underdisclosed from calculated Finance Charge of $214,260.48 in the amount of $9,528.19. Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003237 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 KY $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518309 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95005031 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518928 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
95005031 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518929 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95005031 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518930 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95005031 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518931 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003485 XXX Purchase Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6643247 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003485 XXX Purchase Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644657 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95003485 XXX Purchase Primary 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644659 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003485 XXX Purchase Primary 1/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6688067 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $238367.91 is underdisclosed from calculated Finance Charge of $243217.07 in the amount of $-4849.16. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.24%.          
95000332 XXX Purchase Primary 6/XX/2004 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6501111 Missing Document: Missing Final 1003             Provide missing documentation
95000332 XXX Purchase Primary 6/XX/2004 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504497 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95004616 XXX Refinance Cash-out - Other Primary 6/XX/2007 AZ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6499090 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $401,837.60 is underdisclosed from calculated Finance Charge of $402,002.53 in the amount of $164.93. Approval indicates the Index used was 5.324%. The lowest Index available within the look-back period is 5.3375%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004616 XXX Refinance Cash-out - Other Primary 6/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519547 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
95004616 XXX Refinance Cash-out - Other Primary 6/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6524291 Missing Valuation:   Appraisal not provided         Provide missing documentation
95003273 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6497985 Missing Document: Missing Final 1003             Provide missing documentation
95003273 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501369 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003273 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501374 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95003273 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501376 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003273 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518901 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $318,628.97 is underdisclosed from calculated Finance Charge of $332,698.65 in the amount of $14,069.68. Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003273 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518997 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing.           Provide missing documentation
95003273 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518998 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004891 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 VA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6499658 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95004891 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 VA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6499659 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001364 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6499945 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $289,495.30 is underdisclosed from calculated Finance Charge of $303,432.53 in the amount of $13,937.23. Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001364 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6521506 Missing Document: Missing Final 1003             Provide missing documentation
95001364 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521785 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95001364 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521786 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001364 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521787 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001364 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521788 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002278 XXX Refinance Cash-out - Debt Consolidation Investment 12/XX/2007 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500658 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
95002278 XXX Refinance Cash-out - Debt Consolidation Investment 12/XX/2007 FL $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6522041 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95002593 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6494402 Missing Document: Missing Final 1003             Provide missing documentation
95002593 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501763 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
95002593 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501764 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002593 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6515084 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000527 XXX Refinance Rate/Term Primary 10/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6518856 Missing Document: Missing Final 1003             Provide missing documentation
95000527 XXX Refinance Rate/Term Primary 10/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6519185 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000527 XXX Refinance Rate/Term Primary 10/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519994 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
95000527 XXX Refinance Rate/Term Primary 10/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519995 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004246 XXX Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501757 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004246 XXX Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522344 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
95004246 XXX Purchase Primary 10/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522345 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $378,860.17 is underdisclosed from calculated Finance Charge of $391,447.45 in the amount of $12,587.28. Approval indicates the Index used was 4.34%. The closest Index available in our look-back period is 4.60%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003643 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649106 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003643 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649107 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003643 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649138 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003643 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669110 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003643 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669111 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95003643 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669112 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003643 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance State Compliance Compliance Open   2 6678895 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is XXX          
95003643 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6685539 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $245828.82 is underdisclosed from calculated Finance Charge of $257152.18 in the amount of $-11323.36. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.56%.          
95001446 XXX Refinance Rate/Term Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Miscellaneous Compliance Compliance Open   2 6645615 (Doc Error) Initial GFE not provided              
95001446 XXX Refinance Rate/Term Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645860 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95001446 XXX Refinance Rate/Term Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645862 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95001446 XXX Refinance Rate/Term Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665381 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $438,569.69 is underdisclosed from calculated Finance Charge of $465,798.82 in the amount of $27,229.13. Approval indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%;         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000911 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6515108 Missing Document: Missing Final 1003             Provide missing documentation
95000911 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517167 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
95000911 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517168 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000911 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517169 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000911 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517170 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650703 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95001568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650711 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650712 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650714 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements            
95001568 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650715 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $304,104.85 is underdisclosed from calculated Finance Charge of $320,477.58 in the amount of $16,372.73. Loan approval indicates the Index used was 3.360%. The lowest Index available within the look-back period is 3.560%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002876 XXX Refinance Rate/Term Primary 8/XX/2005 NJ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500819 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95002876 XXX Refinance Rate/Term Primary 8/XX/2005 NJ $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6500822 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $371,279.93 is underdisclosed from calculated Finance Charge of $385,265.91 in the amount of $13,985.98. Loan Approval indicates the index used was 2.622%. The closest index available in our look-back period is 2.757%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002876 XXX Refinance Rate/Term Primary 8/XX/2005 NJ $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6500834 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Homestead Exemption Waiver            
95002876 XXX Refinance Rate/Term Primary 8/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6524696 Missing Document: Missing Final 1003             Provide missing documentation
95001796 XXX Refinance Rate/Term Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6642335 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001796 XXX Refinance Rate/Term Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642457 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95001796 XXX Refinance Rate/Term Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642458 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95001796 XXX Refinance Rate/Term Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6642461 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001796 XXX Refinance Rate/Term Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642463 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001796 XXX Refinance Rate/Term Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669507 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $368,923.63 is underdisclosed from calculated Finance Charge of $384,966.11 in the amount of $16,042.48. Approval indicates the Index used was 3.94%. The closest Index available within the look back period is 4.11%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002388 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501489 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2008.           Provide missing documentation
95002388 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501556 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002388 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524764 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $365,936.87 is underdisclosed from calculated Finance Charge of $374,207.43 in the amount of $8,270.56. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002388 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6524850 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95002388 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2008 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524851 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003963 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6645569 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003963 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645570 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95003963 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669066 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003963 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6684207 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $352956.83 is underdisclosed from calculated Finance Charge of $378131.33 in the amount of $-25174.5. Approval indicates the index used was 3.79%. The lowest index available within the look-back period is 4.11%. Truth In Lending Act: Final TIL APR of 6.681% is underdisclosed from calculated APR of 6.986% in the amount of -0.305%. Approval indicates the index used was 3.79%. The lowest index available within the look-back period is 4.11%.          
95001482 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6498552 Missing Document: Missing Final 1003             Provide missing documentation
95001482 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525016 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95001482 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525017 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001482 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525018 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001482 XXX Purchase Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525019 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $464,229.95 is underdisclosed from calculated Finance Charge of $478,886.09 in the amount of $14,656.14. Approval indicates the Index used was 3.24%. The closest Index available in our look-back period is 3.36%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002080 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501289 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
95002080 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6524793 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003312 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6498409 Missing Document: Missing Final 1003             Provide missing documentation
95003312 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502759 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $424,726.94 is underdisclosed from calculated Finance Charge of $444,901.94 in the amount of $20,175.00. Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003312 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525056 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95003312 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525057 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003312 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525058 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003312 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525060 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002782 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6516159 Missing Document: Missing Final 1003             Provide missing documentation
95002782 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518009 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002782 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6518011 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95002782 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532991 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
95002782 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532992 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002782 XXX Refinance Cash-out - Other Primary 2/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533256 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003866 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6499656 Missing Document: Missing Final 1003             Provide missing documentation
95003866 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6525031 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003866 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6525158 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95003866 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525171 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95003866 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525172 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003866 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525173 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003866 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525174 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95005051 XXX Refinance Cash-out - Other Primary 12/XX/2007 UT $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513012 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95005051 XXX Refinance Cash-out - Other Primary 12/XX/2007 UT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525258 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
95005051 XXX Refinance Cash-out - Other Primary 12/XX/2007 UT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525259 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000174 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502580 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95000174 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502686 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $296,829.13 is underdisclosed from calculated Finance Charge of $308,164.36 in the amount of $11,335.23. Loan Application/Commitment Recap indicates the Index used was 1.563%. The closest Index available in our look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000174 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502818 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95000174 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6525076 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95000174 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525202 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95002777 XXX Purchase Primary 1/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503750 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $253,403.97 is underdisclosed from calculated Finance Charge of $265,746.33 in the amount of $12,342.36. Loan Approval indicates the index used was 2.02%. The closest index available in our look-back period is 2.19%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002777 XXX Purchase Primary 1/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6525300 Missing Document: Missing Final 1003             Provide missing documentation
95002777 XXX Purchase Primary 1/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525394 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
95002777 XXX Purchase Primary 1/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525395 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002777 XXX Purchase Primary 1/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525396 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002777 XXX Purchase Primary 1/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525397 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004226 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6499940 Missing Document: Missing Final 1003             Provide missing documentation
95004226 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501468 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004226 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501469 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95004226 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501470 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004226 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501473 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $538,268.69 is underdisclosed from calculated Finance Charge of $538,460.03 in the amount of $191.34. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004226 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6525361 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004539 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6500389 Missing Document: Missing Final 1003             Provide missing documentation
95004539 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6501386 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004539 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525639 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
95004539 XXX Refinance Rate/Term Primary 3/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525640 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002054 XXX Refinance Rate/Term Primary 3/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642909 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95002054 XXX Refinance Rate/Term Primary 3/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642910 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
95002054 XXX Refinance Rate/Term Primary 3/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6642911 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95002054 XXX Refinance Rate/Term Primary 3/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6642912 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004281 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6509201 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value.           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004281 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6509202 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95004281 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6509204 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004281 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509210 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2006, prior to three (3) business days from transaction date of 12/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004281 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6509588 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not provided to borrower at closing. The notary date is after the AFMV signature date.         To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004281 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6525767 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Holder's right to foreclose, Homestead Exemption Waiver            
95003174 XXX Refinance Rate/Term Primary 9/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6501532 Missing Document: Missing Final 1003             Provide missing documentation
95003174 XXX Refinance Rate/Term Primary 9/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6502484 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003174 XXX Refinance Rate/Term Primary 9/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502569 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003174 XXX Refinance Rate/Term Primary 9/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502570 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95003174 XXX Refinance Rate/Term Primary 9/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502571 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003174 XXX Refinance Rate/Term Primary 9/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502573 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $416,138.28 is underdisclosed from calculated Finance Charge of $438,578.60 in the amount of $22,440.32. Loan Application/Commitment Recap indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95005053 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 IL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502533 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95005053 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 IL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502535 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
95001599 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514315 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95001599 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514316 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $493,595.36 is underdisclosed from calculated Finance Charge of $507,040.65 in the amount of $13,445.29. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001599 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525931 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004146 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6503462 Missing Document: Missing Final 1003             Provide missing documentation
95004146 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   2 6503726 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004146 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6503729 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95004146 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6503730 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004146 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2006 TX $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544707 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000842 XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6515851 Missing Document: Missing Final 1003             Provide missing documentation
95000842 XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518218 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000842 XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518224 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
95000842 XXX Refinance Cash-out - Other Primary 6/XX/2005 NY $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6518227 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY).          
95001360 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6512731 Missing Document: Missing Final 1003             Provide missing documentation
95001360 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513182 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95001360 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513183 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001360 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513186 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $475,555.61 is underdisclosed from calculated Finance Charge of $485,369.04 in the amount of $9,813.43. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001360 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6525742 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001360 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526027 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002221 XXX Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502005 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
95002221 XXX Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502006 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002221 XXX Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502007 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002221 XXX Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502008 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002221 XXX Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502009 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $715,428.81 is underdisclosed from calculated Finance Charge of $720,136.29 in the amount of $4,707.48. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004036 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644445 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95004036 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644447 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004036 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6644448 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004036 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665326 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.47700% is underdisclosed from calculated APR of 7.76208% outside of 0.125% tolerance. Loan Approval indicate the Index is 4.483%. The closet available index in our look-back period is 4.77417%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004036 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665327 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $660,483.55 is underdisclosed from calculated Finance Charge of $675,596.33 in the amount of $15,112.78. Loan Approval indicate the Index is 4.483%. The closet available index in our look-back period is 4.77417%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95005039 XXX Refinance Cash-out - Other Primary 12/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6502076 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95005039 XXX Refinance Cash-out - Other Primary 12/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502121 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
95005039 XXX Refinance Cash-out - Other Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6525890 Missing Document: Missing Final 1003             Provide missing documentation
95000882 XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6509321 Missing Document: Missing Final 1003             Provide missing documentation
95000882 XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511215 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000882 XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511216 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
95000882 XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511217 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000882 XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511221 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.38600% is underdisclosed from calculated APR of 6.68642% outside of 0.125% tolerance. Closing instructions indicate the Index used was 2.492%. The closest Index available in our look-back period is 2.65833%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000882 XXX Refinance Cash-out - Other Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511222 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $458,890.62 is underdisclosed from calculated Finance Charge of $485,008.20 in the amount of $26,117.58. Closing instructions indicate the Index used was 2.492%. The closest Index available in our look-back period is 2.65833%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003671 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6501954 Missing Document: Missing Final 1003             Provide missing documentation
95003671 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503363 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95003671 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503364 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $389,891.80 is underdisclosed from calculated Finance Charge of $410,270.82 in the amount of $20,379.02. Loan Approval indicates the index used was 3.36%. The closest index available in our look-back period is 3.56%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003671 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6526000 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003671 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6526265 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95000797 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6502761 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000797 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502830 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
95000797 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502831 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000797 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502834 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $303,086.66 is underdisclosed from calculated Finance Charge of $321,762.26 in the amount of $18,675.60. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001977 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6518057 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state of NY.          
95001977 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533802 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
95001977 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533803 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001977 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533804 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001977 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6533968 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (NY)-max prepayment for NY is 12 months-note states 36 months.          
95001977 XXX Refinance Rate/Term Primary 12/XX/2006 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534144 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95000769 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503231 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95000769 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503232 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000769 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503233 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.58200% is underdisclosed from calculated APR of 6.15473% outside of 0.125% tolerance. An approval states that the lender used an index of 2.163%. The closest index in the look-back period is 2.49167%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000769 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503234 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $307,101.20 is underdisclosed from calculated Finance Charge of $335,784.46 in the amount of $28,683.26. An approval states that the lender used an index of 2.163%. The closest index in the look-back period is 2.49167%. This has resulted in a payment variance of $29,409.48.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000769 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6541044 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000946 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6502162 Missing Document: Missing Final 1003             Provide missing documentation
95000946 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6502765 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $315,433.44 is underdisclosed from calculated Finance Charge of $333,506.24 in the amount of $18,072.80. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000946 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526832 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95000946 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526833 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000708 XXX Purchase Primary 3/XX/2005 IL $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6521560 Missing Document: Missing Final 1003             Provide missing documentation
95000708 XXX Purchase Primary 3/XX/2005 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524392 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000708 XXX Purchase Primary 3/XX/2005 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524394 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000708 XXX Purchase Primary 3/XX/2005 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534347 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
95000708 XXX Purchase Primary 3/XX/2005 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534348 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004248 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6503052 Missing Document: Missing Final 1003             Provide missing documentation
95004248 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503641 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95004248 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503642 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004579 XXX Refinance Cash-out - Other Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645012 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $643,639.59 is underdisclosed from calculated Finance Charge of $644,018.89 in the amount of $379.30. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004579 XXX Refinance Cash-out - Other Primary 4/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669378 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503167 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2012.           Provide missing documentation
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503169 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503170 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503171 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503172 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503173 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503174 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503175 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503176 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503178 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503179 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503180 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000092 XXX Refinance Rate/Term Primary 5/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6538254 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002246 XXX Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512019 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95002246 XXX Refinance Cash-out - Other Primary 10/XX/2007 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512047 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95005153 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527342 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2008.           Provide missing documentation
95005153 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527343 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95005153 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527344 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002523 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6503740 Missing Document: Missing Final 1003             Provide missing documentation
95002523 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503802 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
95002523 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503804 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002523 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6526861 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Homestead Exemption Waiver            
95001630 XXX Purchase Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6644905 Missing Document: Missing Final 1003             Provide missing documentation
95001630 XXX Purchase Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645302 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95001630 XXX Purchase Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645303 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001630 XXX Purchase Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645304 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001630 XXX Purchase Primary 4/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Loan Package Documentation Application / Processing Credit Open   3 6676870 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001630 XXX Purchase Primary 4/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6684344 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $331599.45 is underdisclosed from calculated Finance Charge of $347587.51 in the amount of $-15988.06. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 6.607% is underdisclosed from calculated APR of 6.827% in the amount of -0.22%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%.          
95001819 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6503099 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001819 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503148 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95001819 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6527165 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95001819 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527250 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.83100% is underdisclosed from calculated APR of 7.37221% outside of 0.125% tolerance. Loan Approval indicates the index used was 3.94%. The closest index available in our look-back period is 4.49%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001819 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527251 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $501,146.11 is underdisclosed from calculated Finance Charge of $514,224.85 in the amount of $13,078.74. Loan Approval indicates the index used was 3.94%. The closest index available in our look-back period is 4.49%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003705 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CT $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510328 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.92500% is underdisclosed from calculated APR of 7.21357% outside of 0.125% tolerance. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003705 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CT $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510329 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $691,618.81 is underdisclosed from calculated Finance Charge of $747,335.34 in the amount of $55,716.53. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002675 XXX Refinance Cash-out - Other Primary 10/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560409 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $155,955.03 is underdisclosed from calculated Finance Charge of $157,552.31 in the amount of $1,597.8. Unable to determine under disclosure due to missing itemization of amount financed.          
95000327 XXX Refinance Cash-out - Other Primary 6/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512839 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95002188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 AZ $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6503323 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512199 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512200 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6502957 Missing Document: Missing Final 1003             Provide missing documentation
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Compliance Open   2 6503667 (Doc Error) TIL Error: Borrower signature not dated.              
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Compliance Open   2 6503669 (Doc Error) TIL Error: Final TIL not signed by all required parties              
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6503679 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503714 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503715 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503716 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503718 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503719 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503720 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $437,460.87 is underdisclosed from calculated Finance Charge of $458,750.13 in the amount of $21,289.26. Approval indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503721 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003225 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503722 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004286 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503631 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95004286 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503633 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004286 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503636 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
95004286 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503639 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004286 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527465 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $352,535.04 is underdisclosed from calculated Finance Charge of $361,565.98 in the amount of $9,030.94. Closing instructions indicate the Index used was 4.897%. The lowest Index available within the look-back period is 4.99667%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004286 XXX Refinance Cash-out - Other Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6538255 Missing Valuation:   Appraisal not provided         Provide missing documentation
95005161 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6503490 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95005161 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6503520 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95005161 XXX Refinance Cash-out - Other Primary 3/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6527421 Missing Document: Missing Final 1003             Provide missing documentation
95000104 XXX Refinance Cash-out - Other Primary 12/XX/2001 CO $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6503020 Missing Document: Missing Final 1003             Provide missing documentation
95002284 XXX Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504155 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
95003697 XXX Refinance Rate/Term Investment 3/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504338 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95000260 XXX Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6518060 Missing Document: Missing Final 1003             Provide missing documentation
95000260 XXX Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523680 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95000260 XXX Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534753 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95000260 XXX Refinance Cash-out - Other Primary 7/XX/2004 MA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6551680 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $226018.02 is underdisclosed from calculated Finance Charge of $231682.18 in the amount of $5664.16. The approval reflects an index of 1.85% was used however 1.88% is the lowest available in the lookback period.          
95000838 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522975 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000838 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522976 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000838 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6538256 Missing Valuation:   Appraisal not provided         Provide missing documentation
95000838 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544815 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $383,724.20 is underdisclosed from calculated Finance Charge of $393,232.27 in the amount of $9,508.07. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003510 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504269 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95003510 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504270 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003510 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527896 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $556,712.82 is underdisclosed from calculated Finance Charge of $590,236.76 in the amount of $33,523.94. Loan Application/Commitment Recap indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003510 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6527982 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004385 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505029 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95004385 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505030 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004385 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 NV $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505052 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001558 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6645375 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001558 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649928 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001558 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649929 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95001558 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6649930 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001558 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649931 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001558 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance State Compliance Compliance Open   2 6679422 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is XXX          
95001558 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6688799 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $334129.53 is underdisclosed from calculated Finance Charge of $342085.7 in the amount of $-7956.17. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.46%. Truth In Lending Act: Final TIL APR of 6.991% is underdisclosed from calculated APR of 7.129% in the amount of -0.138%. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.46%.          
95001216 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504583 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95001216 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504584 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001216 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504585 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001216 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504586 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $365,096.20 is underdisclosed from calculated Finance Charge of $381,956.60 in the amount of $16,860.40. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001560 XXX Refinance Cash-out - Other Primary 3/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6504324 Missing Document: Missing Final 1003             Provide missing documentation
95001560 XXX Refinance Cash-out - Other Primary 3/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504808 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95001560 XXX Refinance Cash-out - Other Primary 3/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6504811 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95001560 XXX Refinance Cash-out - Other Primary 3/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504814 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001560 XXX Refinance Cash-out - Other Primary 3/XX/2006 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6504820 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not provided to borrower at closing. The notary date is after the AFMV signature date.         To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001560 XXX Refinance Cash-out - Other Primary 3/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528533 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001560 XXX Refinance Cash-out - Other Primary 3/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6544687 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95003026 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512945 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $459,437.63 is underdisclosed from calculated Finance Charge of $475,781.17 in the amount of $16,343.54. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003026 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528574 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95003026 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528575 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003026 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528577 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003026 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528578 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003477 XXX Refinance Cash-out - Home Improvement Investment 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645751 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95003477 XXX Refinance Cash-out - Home Improvement Investment 1/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6645764 Missing Document: Missing Final 1003             Provide missing documentation
95003477 XXX Refinance Cash-out - Home Improvement Investment 1/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Loan Package Documentation Closing / Title Credit Open   2 6676854 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001300 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6504654 Missing Document: Missing Final 1003             Provide missing documentation
95001300 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504737 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95001300 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504738 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001300 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528335 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $549,636.64 is underdisclosed from calculated Finance Charge of $567,226.44 in the amount of $17,589.80. Approval indicates the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001678 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6504425 Missing Document: Missing Final 1003             Provide missing documentation
95001678 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504568 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $501,725.76 is underdisclosed from calculated Finance Charge of $518,991.99 in the amount of $17,266.23. Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.79%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001678 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528397 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95001678 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528399 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001678 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528400 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001678 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528449 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003543 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647175 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95003543 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6647176 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003543 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647177 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003543 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647178 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $433,737.73 is underdisclosed from calculated Finance Charge of $447,224.26 in the amount of $13,486.53. Approvals indicate the Index used was 3.24%. The closest Index available in our look-back period is 3.36%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000095 XXX Purchase Primary 9/XX/1993 IL $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6516430 Missing Document: Missing Final 1003             Provide missing documentation
95000095 XXX Purchase Primary 9/XX/1993 IL $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6551927 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $130,473.72 is underdisclosed from calculated Finance Charge of $130582.75 in the amount of $109.03.          
95001512 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517998 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95001512 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517999 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001512 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518000 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001512 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6552487 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $397,259.13 is underdisclosed from calculated Finance Charge of $415029.75 in the amount of $17770.62. Closing instructions indicate the Index used was 3.24%. The closest Index available in our look-back period is 3.46%          
95002097 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6515073 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002097 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515086 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95002097 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528813 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
95002097 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528814 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003985 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6504635 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003985 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504642 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003985 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   3 6504643 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95003985 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504644 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95003985 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504645 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003985 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504646 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003985 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529176 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.26700% is underdisclosed from calculated APR of 7.58348% outside of 0.125% tolerance. Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003985 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529177 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $921,508.52 is underdisclosed from calculated Finance Charge of $960,186.54 in the amount of $38,678.02. Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004044 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6504730 Missing Document: Missing Final 1003             Provide missing documentation
95004044 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504920 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004044 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504921 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95004044 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504922 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95004044 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504923 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004044 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504924 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004044 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504925 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $745,579.11 is underdisclosed from calculated Finance Charge of $755,822.33 in the amount of $10,243.22. Closing instructions indicate the Index used was 4.483%. The lowest Index available within the look-back period is 4.64.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004197 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6504788 Missing Document: Missing Final 1003             Provide missing documentation
95004197 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504891 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95004197 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504893 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $481,439.80 is underdisclosed from calculated Finance Charge of $489,833.15 in the amount of $8,393.35. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004197 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529216 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
95004197 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529217 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004197 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529218 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004197 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529220 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000557 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6504856 Missing Document: Missing Final 1003             Provide missing documentation
95000557 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Miscellaneous Compliance Compliance Open   2 6504874 (Doc Error) Initial GFE not provided              
95000557 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504912 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
95000557 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504914 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000557 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504916 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000557 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6504918 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $295,106.46 is underdisclosed from calculated Finance Charge of $306,209.50 in the amount of $11,103.04. Loan Application/Commitment Recap indicates the Index used was 1.277%. The closest Index available in our look-back period is 1.355%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000557 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529050 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004584 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 FL $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6505034 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004584 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 FL $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505077 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95003868 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645556 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $696,371.63 is underdisclosed from calculated Finance Charge of $738,941.70 in the amount of $42,570.07. Approval indicates the Index used was 3.56%. The closest Index available in our look-back period is 3.79%;         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003868 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6645599 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003868 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665594 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003868 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665595 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003868 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6665596 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003868 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669936 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95004819 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6505119 Missing Document: Missing Final 1003             Provide missing documentation
95004819 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505218 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95004819 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505220 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004236 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505241 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95004236 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Closing / Title Credit Open   2 6505246 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002527 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6517365 Missing Document: Missing Final 1003             Provide missing documentation
95002527 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519881 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95002527 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519882 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95002527 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6519991 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002451 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505481 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95002451 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/15/2018 Compliance Federal Compliance Compliance Open   2 6505482 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95002451 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6529167 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95002451 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6529662 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002451 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532493 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95000100 XXX Refinance Cash-out - Other Primary 9/XX/2000 TX $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6505285 Missing Document: Missing Final 1003             Provide missing documentation
95000100 XXX Refinance Cash-out - Other Primary 9/XX/2000 TX $XXX Loan Review Complete 05/15/2018 Compliance State Compliance Compliance Open   3 6505376 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95000100 XXX Refinance Cash-out - Other Primary 9/XX/2000 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529598 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $371,005.29 is underdisclosed from calculated Finance Charge of $371,091.80 in the amount of $86.51. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002965 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506015 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
95002965 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506018 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002965 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506023 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $318,540.68 is underdisclosed from calculated Finance Charge of $327,972.98 in the amount of $9,432.30. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002965 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6506025 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002815 XXX Purchase Primary 5/XX/2005 NJ $XXX Loan Review Complete 05/15/2018 Loan Package Documentation Application / Processing Credit Open   2 6505248 Missing Document: Missing Final 1003             Provide missing documentation
95002815 XXX Purchase Primary 5/XX/2005 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506262 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95002815 XXX Purchase Primary 5/XX/2005 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508195 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $396,669.65 is underdisclosed from calculated Finance Charge of $420,312.26 in the amount of $23,642.61. Loan Approval indicate the Index used was 2.28%. The closest Index available in our look-back period is 2.52%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002815 XXX Purchase Primary 5/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Compliance Open   2 6529761 (Doc Error) TIL Error: Borrower signature not dated.              
95004607 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649421 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95004607 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6649423 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004607 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649425 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95004607 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669767 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95004607 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669977 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001713 XXX Purchase Primary 6/XX/2006 MN $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6505759 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001713 XXX Purchase Primary 6/XX/2006 MN $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6505771 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $708,254.57 is underdisclosed from calculated Finance Charge of $735,905.52 in the amount of $27,650.95. Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 3.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001713 XXX Purchase Primary 6/XX/2006 MN $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530225 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95001713 XXX Purchase Primary 6/XX/2006 MN $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6530226 Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. PPP Expired. Prepayment charge not allowed per state (MN) - max prepayment charge for MN ARM loan is 2% or 60 days interest whichever is higher - note states 2%, 2%, 2%. Lender is XXX          
95001713 XXX Purchase Primary 6/XX/2006 MN $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530227 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002721 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6505952 Missing Document: Missing Final 1003             Provide missing documentation
95002721 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6505973 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95002721 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6505975 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $276,707.59 is underdisclosed from calculated Finance Charge of $284,015.16 in the amount of $7,307.57. Closing instructions indicate the Index used was 1.45%. The lowest Index available within the look-back period is 1.56333%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002721 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6505976 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002721 XXX Refinance Cash-out - Other Primary 1/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529882 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000896 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6505980 Missing Document: Missing Final 1003             Provide missing documentation
95000896 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6505998 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $352,932.43 is underdisclosed from calculated Finance Charge of $388,710.93 in the amount of $35,778.50. Approval indicates the Index used was 1.996%. The closest Index available in our look-back period is 2.33167%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000896 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530726 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95000896 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530727 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000896 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530728 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000896 XXX Refinance Cash-out - Home Improvement Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530729 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.70300% is underdisclosed from calculated APR of 6.03312% outside of 0.125% tolerance. Approval indicates the Index used was 1.996%. The closest Index available in our look-back period is 2.33167%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004974 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524456 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing.           Provide missing documentation
95004974 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6524457 Missing Final HUD-1: No Document Used For Fee Testing Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.           Provide missing documentation
95004974 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524458 Missing Initial Loan Application No Fees No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.           Provide missing documentation
95000330 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6506048 Missing Document: Missing Final 1003             Provide missing documentation
95000330 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506051 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95000330 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530388 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000330 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530390 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000330 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530392 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000564 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6506060 Missing Document: Missing Final 1003             Provide missing documentation
95000564 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506070 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $200,413.59 is underdisclosed from calculated Finance Charge of $205,150.42 in the amount of $4,736.83. An approval states that the lender used an index of 1.277%; the closest index in the look-back period is 1.355%. This has resulted in a payment variance under disclosure of $4,507.20.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000564 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6506071 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Due On Sale Clause, Homestead Exemption Waiver            
95000564 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530334 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
95000564 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530335 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000564 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530336 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6506245 Missing Document: Missing Final 1003             Provide missing documentation
95003188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506303 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95003188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506304 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506305 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506306 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003188 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530940 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $655,046.74 is underdisclosed from calculated Finance Charge of $664,201.53 in the amount of $9,154.79. Approval indicates the Index used was 2.89%. The lowest Index available within the look-back period is 2.97%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002183 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506758 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95003607 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6506520 Missing Document: Missing Final 1003             Provide missing documentation
95003607 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6506566 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003607 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506706 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003607 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506709 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $505,478.00 is underdisclosed from calculated Finance Charge of $535,502.36 in the amount of $30,024.36. Per recap the lender used an index of 3.24%; the closest index in the look-back period is 3.46%. This has resulted in a payment variance under disclosure of $30,513.87.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004256 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6643584 Missing Document: Missing Final 1003             Provide missing documentation
95004256 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647129 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
95004256 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647131 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004256 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647132 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004256 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669751 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $757,034.01 is underdisclosed from calculated Finance Charge of $765,447.63 in the amount of $8,413.62. Under disclosure due to Neg Am Pick-A-Payment Note that shows Index on approval used is 4.897% while lowest Index for look back period is 4.99667%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001680 XXX Purchase Primary 6/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669583 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95001680 XXX Purchase Primary 6/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669585 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001680 XXX Purchase Primary 6/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6671522 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001680 XXX Purchase Primary 6/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6687848 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $571268.96 is underdisclosed from calculated Finance Charge of $588196.68 in the amount of $-16927.72. Approval indicates the index used was 3.66%. The lowest index available within the look-back period is 3.79%. Truth In Lending Act: Final TIL APR of 7.241% is underdisclosed from calculated APR of 7.397% in the amount of -0.156%. Approval indicates the index used was 3.66%. The lowest index available within the look-back period is 3.79%.          
95003115 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6506500 Missing Document: Missing Final 1003             Provide missing documentation
95003115 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506945 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003115 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506947 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95003115 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506948 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.53100% is underdisclosed from calculated APR of 6.46310% outside of 0.125% tolerance. Approval indicates index used was 1.836%. The closest Index available in our look-back period is 2.78%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003115 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506949 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $404,042.28 is underdisclosed from calculated Finance Charge of $525,945.64 in the amount of $121,903.36. Approval indicates index used was 1.836%. The closest Index available in our look-back period is 2.78%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004943 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507219 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $574,479.73 is underdisclosed from calculated Finance Charge of $574,870.55 in the amount of $390.82. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003716 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646517 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95003716 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6646518 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003716 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646519 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003716 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670237 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95003716 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6687501 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $347830.03 is underdisclosed from calculated Finance Charge of $364227.8 in the amount of $-16397.77. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 6.905% is underdisclosed from calculated APR of 7.128% in the amount of -0.223%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%.          
95002181 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506728 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002181 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6506777 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $778,387.90 is underdisclosed from calculated Finance Charge of $842,074.59 in the amount of $63,686.69. Loan Approval indicates the index used was 4.85%. The closest index available in our look-back period is 5.333%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002181 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531746 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95002181 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531747 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002181 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531748 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003060 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6506745 Missing Document: Missing Final 1003             Provide missing documentation
95003060 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507938 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95003060 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507939 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003060 XXX Purchase Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508608 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $395,171.40 is underdisclosed from calculated Finance Charge of $404,955.22 in the amount of $9,783.82. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002794 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6510203 Missing Document: Missing Final 1003             Provide missing documentation
95002794 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532351 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
95002794 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532352 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002794 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532353 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002794 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532355 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002794 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532356 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $468,409.22 is underdisclosed from calculated Finance Charge of $482,919.64 in the amount of $14,510.42. Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002794 XXX Refinance Cash-out - Other Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532843 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95001610 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6509242 Missing Document: Missing Final 1003             Provide missing documentation
95001610 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509501 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95001610 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509537 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $684,434.32 is underdisclosed from calculated Finance Charge of $731,540.11 in the amount of $47,105.79. The Approval Letter indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.94%. This has resulted in a payment variance under disclosure of $50,274.61.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001610 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6531847 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004732 XXX Purchase Primary 10/XX/2007 NY $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508228 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95004732 XXX Purchase Primary 10/XX/2007 NY $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6508229 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
95004732 XXX Purchase Primary 10/XX/2007 NY $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508316 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,010,551.50 is underdisclosed from calculated Finance Charge of $1,011,428.08 in the amount of $876.58. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004890 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507499 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004904 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6507539 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004904 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6559544 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $569,828.74 is underdisclosed from calculated Finance Charge of $571,726.11 in the amount of $1,897.37. Approval indicates the Index used was 4.88%. The lowest Index available within the look-back period is 4.9%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001919 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511422 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
95001919 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511424 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
95001919 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511425 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001919 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511427 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001919 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6536295 Missing Document: Missing Final 1003             Provide missing documentation
95001919 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536385 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $607,805.20 is underdisclosed from calculated Finance Charge of $613,701.74 in the amount of $5,896.54. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004640 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6507693 Missing Document: Missing Final 1003             Provide missing documentation
95004640 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511443 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004640 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536796 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
95004640 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536797 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004640 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536798 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004640 XXX Refinance Rate/Term Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536801 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004735 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509835 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95004735 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509836 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004735 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509837 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004735 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2007 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509838 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $992,331.12 is underdisclosed from calculated Finance Charge of $994,198.04 in the amount of $1,866.92. Approval indicates the Index used was 5.324%. The closest Index available in our lookback period is 5.333%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004195 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6508507 Missing Document: Missing Final 1003             Provide missing documentation
95004195 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509985 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95004195 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509986 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004195 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509987 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004195 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509988 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004195 XXX Refinance Cash-out - Other Primary 10/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509990 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $616,477.99 is underdisclosed from calculated Finance Charge of $638,738.41 in the amount of $22,260.42. Under disclosure due to index value. Lender approval reflects an index of 4.774%; however, the only index in the lookback period is 4.89667%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004232 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6508685 Missing Document: Missing Final 1003             Provide missing documentation
95004232 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509579 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $644,219.13 is underdisclosed from calculated Finance Charge of $664,261.84 in the amount of $20,042.71. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004232 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509657 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004232 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6537409 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004232 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537458 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95004232 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537459 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
95004232 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537462 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
95000962 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6508126 Missing Document: Missing Final 1003             Provide missing documentation
95000962 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509296 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
95000962 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509297 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000962 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509299 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000962 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509300 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000962 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509397 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $376,134.51 is underdisclosed from calculated Finance Charge of $394,552.70 in the amount of $18,418.19. Approval reflects index of 1.996%. Closest index available in our look-back period is 2.16333%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6508933 Missing Document: Missing Final 1003             Provide missing documentation
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6510134 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510315 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510316 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510317 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510318 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510319 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510320 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $443,309.34 is underdisclosed from calculated Finance Charge of $465,676.00 in the amount of $22,366.66. The approval (index source) indicates the Index used was 2.520%. The closest Index available in our look-back period is 2.700%; under disclosure appears to be payment stream related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003082 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6538257 Missing Valuation:   Appraisal not provided         Provide missing documentation
95000232 XXX Purchase Investment 1/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6507737 Missing Document: Missing Final 1003             Provide missing documentation
95000232 XXX Purchase Investment 1/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6541047 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000970 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510605 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000970 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510606 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95000970 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510607 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000970 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510608 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000970 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510612 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95000970 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537223 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004076 XXX Purchase Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6508798 Missing Document: Missing Final 1003             Provide missing documentation
95004076 XXX Purchase Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6508930 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004076 XXX Purchase Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508982 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95004076 XXX Purchase Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508985 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004076 XXX Purchase Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6508986 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000370 XXX Purchase Primary 6/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6508140 Missing Document: Missing Final 1003             Provide missing documentation
95000370 XXX Purchase Primary 6/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6509292 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000370 XXX Purchase Primary 6/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509383 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2004.           Provide missing documentation
95000370 XXX Purchase Primary 6/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509384 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001296 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510576 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001296 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   3 6510578 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95001296 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510583 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001296 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510587 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $605,420.92 is underdisclosed from calculated Finance Charge of $633,218.14 in the amount of $27,797.22. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001296 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537044 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95001296 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537046 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001296 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537047 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6509475 Missing Document: Missing Final 1003             Provide missing documentation
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   3 6511202 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511203 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511204 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511205 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511207 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511208 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511209 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537490 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.32400% is underdisclosed from calculated APR of 7.70859% outside of 0.125% tolerance. Approval indicate the Index used was 3.94%. The closest Index available in our look back period is 4.34%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004035 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537491 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $943,615.13 is underdisclosed from calculated Finance Charge of $1,042,022.50 in the amount of $98,407.37. Approval indicate the Index used was 3.94%. The closest Index available in our look back period is 4.34%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004898 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510098 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
95004898 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510099 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95004898 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510102 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004898 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6536752 Missing Document: Missing Final 1003             Provide missing documentation
95004898 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6541050 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004898 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544838 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $838,215.57 is underdisclosed from calculated Finance Charge of $840,426.31 in the amount of $2,210.74. Approval indicates the Index used was 4.88%. The closest Index available in our lookback period is 4.9%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95005063 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511916 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
95005063 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511917 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95005063 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511947 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95005063 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511948 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000878 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6508782 Missing Document: Missing Final 1003             Provide missing documentation
95000878 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509995 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000878 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509996 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95000878 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509997 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000878 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509998 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000878 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6509999 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000878 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510000 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.11600% is underdisclosed from calculated APR of 6.43666% outside of 0.125% tolerance. Approval indicates the Index used was 2.332%. The closest Index available in our look-back period is 2.65833%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000878 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 AZ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510001 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $439,952.15 is underdisclosed from calculated Finance Charge of $481,811.80 in the amount of $41,859.65. Approval indicates the Index used was 2.332%. The closest Index available in our look-back period is 2.65833%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004614 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6510546 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004614 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510625 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
95004614 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510626 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004614 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 WA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510627 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002133 XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511830 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002133 XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6511899 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002133 XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537442 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
95002133 XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537443 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002133 XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537444 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002133 XXX Purchase Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544837 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $838,578.34 is underdisclosed from calculated Finance Charge of $842,423.74 in the amount of $3,845.40. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004703 XXX Refinance Cash-out - Other Primary 9/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6510594 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95000318 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6509903 Missing Document: Missing Final 1003             Provide missing documentation
95000318 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6538259 Missing Valuation:   Appraisal not provided         Provide missing documentation
95000101 XXX Construction-Permanent Primary 11/XX/2000 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6513265 Missing Document: Missing Final 1003             Provide missing documentation
95000101 XXX Construction-Permanent Primary 11/XX/2000 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525708 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2000.           Provide missing documentation
95000101 XXX Construction-Permanent Primary 11/XX/2000 TX $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6552885 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $615,796.35 is underdisclosed from calculated Finance Charge of $650947.66 in the amount of $35151.31. Closing instructions indicate the Index used was 5.280%. The closest Index available in our look-back period is 5.460%.          
95003562 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6510670 Missing Document: Missing Final 1003             Provide missing documentation
95003562 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511529 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
95003562 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511531 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003562 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511539 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003562 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511745 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $627,894.95 is underdisclosed from calculated Finance Charge of $664,901.73 in the amount of $37,006.78. Closing approval indicates the index used at origination was 3.24%, however the lowest index available within the look-back period is 3.46%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003562 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511816 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003562 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6511817 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95005034 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537615 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
95005034 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537616 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95005034 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537617 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002725 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6512317 Missing Document: Missing Final 1003             Provide missing documentation
95002725 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   3 6512383 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95002725 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512384 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
95002725 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512385 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002725 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512386 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002725 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512387 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002725 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537735 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $349,661.24 is underdisclosed from calculated Finance Charge of $364,513.69 in the amount of $14,852.45. Under disclosure is due to index value. Lender approval reflects an index of 1.277%; however, the only index in the lookback period is 1.355%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002725 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6544891 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001981 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537861 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95001981 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537862 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001981 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537863 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001981 XXX Refinance Cash-out - Home Improvement Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537864 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $854,965.64 is underdisclosed from calculated Finance Charge of $868,746.98 in the amount of $13,781.34. Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 5.08083%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003345 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513810 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95003345 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513814 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $535,310.72 is underdisclosed from calculated Finance Charge of $560,099.34 in the amount of $24,788.62. Closing instructions indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003345 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537911 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003345 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537912 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003345 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537913 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000236 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 NJ $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6510269 Missing Document: Missing Final 1003             Provide missing documentation
95000236 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512144 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
95000236 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2004 NJ $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512147 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002223 XXX Refinance Cash-out - Home Improvement Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512143 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
95002818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6528412 Missing Document: Missing Final 1003             Provide missing documentation
95002818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6529648 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530098 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530099 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95002818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6530102 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95002818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530106 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530107 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   3 6552743 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004701 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6513531 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP expired. Prepay charge now allowed per state (CA) - Max prepayment charge for CA is assessed on amount prepaid in excess of 20%. Note states prepayment charge on amount prepaid in excess of $5,000.          
95004701 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6513573 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004701 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537954 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95004701 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537955 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004701 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537956 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004701 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537957 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $831,644.36 is underdisclosed from calculated Finance Charge of $833,288.57 in the amount of $1,644.21. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6516305 Missing Document: Missing Final 1003             Provide missing documentation
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   3 6517932 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517934 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $455,854.27 is underdisclosed from calculated Finance Charge of $473,898.91 in the amount of $18,044.64. Loan Approval indicates the Index used was 1.693%. The closest Index available in our look-back period is 1.83583%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517935 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517936 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538372 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538375 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538377 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002977 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538378 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003014 XXX Refinance Cash-out - Other Investment 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6512900 Missing Document: Missing Final 1003             Provide missing documentation
95003014 XXX Refinance Cash-out - Other Investment 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513035 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95003014 XXX Refinance Cash-out - Other Investment 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513161 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003461 XXX Purchase Primary 12/XX/2005 WA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6512531 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003461 XXX Purchase Primary 12/XX/2005 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537663 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95003461 XXX Purchase Primary 12/XX/2005 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537664 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $393,343.55 is underdisclosed from calculated Finance Charge of $412,265.40 in the amount of $18,921.85. Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95005019 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6645759 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95005019 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6645797 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
95005019 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6645799 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95005019 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670442 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,223,481.17 is underdisclosed from calculated Finance Charge of $1,223,809.56 in the amount of $328.39. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95005069 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6517563 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95005069 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517668 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95005069 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517669 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
95005069 XXX Refinance Cash-out - Other Primary 1/XX/2008 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517670 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000956 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6513067 Missing Document: Missing Final 1003             Provide missing documentation
95000956 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513472 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000956 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513473 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
95000956 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513474 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000956 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513475 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000956 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513476 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000956 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513478 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $491,996.87 is underdisclosed from calculated Finance Charge of $514,139.41 in the amount of $22,142.54. Approval indicates the Index used was 1.836%. The closest Index available in our lookback period is 1.99583%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002674 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6513927 Missing Document: Missing Final 1003             Provide missing documentation
95002674 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519972 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $253,801.84 is underdisclosed from calculated Finance Charge of $258,336.23 in the amount of $4,534.39. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee and payment stream related. Loan commitment indicates the Index used was 1.94%. The closest Index available in our look-back period is 2.0%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002674 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540029 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
95002674 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540031 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002674 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540032 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002674 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540033 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000788 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513597 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95000788 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513598 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000788 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513599 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000788 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513600 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000788 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6513728 Missing Document: Missing Final 1003             Provide missing documentation
95000788 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538128 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $419,326.17 is underdisclosed from calculated Finance Charge of $448,607.60 in the amount of $29,281.43. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000129 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6514709 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000129 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Compliance Miscellaneous Compliance Compliance Cleared 06/01/2018 1 6514742 This High Cost loan contains one or more prohibited practice exceptions           (2018/XX/01): Loan is not high cost.  
95000129 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514751 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.           Provide missing documentation
95000129 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Cleared 06/01/2018 1 6514755 (State High Cost) California Covered Loan (Points and Fees) California Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.92357% is in excess of the allowable maximum of 6.00000% of the Total Loan Amount. Points and Fees total $14,957.00 on a Total Loan Amount of $216,030.22 vs. an allowable total of $12,961.81 (an overage of $1,995.19 or .92357%). Non-Compliant High Cost Loan.         (2018/XX/01): Credit for broker fee disclosed on attachment to HUD.  
95000129 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514756 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000129 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514758 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004899 XXX Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6513416 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004899 XXX Refinance Rate/Term Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513543 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000542 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6512209 Missing Document: Missing Final 1003             Provide missing documentation
95000542 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6513619 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000542 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513708 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
95000542 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6513711 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $412,284.37 is underdisclosed from calculated Finance Charge of $420,873.89 in the amount of $8,589.52. Approval indicates the Index used was 1.277%. The closest Index available in our look-back period is 1.355%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6512443 Missing Document: Missing Final 1003             Provide missing documentation
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Compliance Open   2 6514029 (Doc Error) TIL Error: Borrower signature not dated.              
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6514044 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514339 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514340 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514341 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514342 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514343 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.83100% is underdisclosed from calculated APR of 6.14423% outside of 0.125% tolerance. Under disclosure due to index value. Lender approval in file reflects an index of 2.28%; however, the only index in the lookback period is 2.61%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000966 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514344 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $477,901.16 is underdisclosed from calculated Finance Charge of $523,629.59 in the amount of $45,728.43. Under disclosure due to index value. Lender approval in file reflects an index of 2.28%; however, the only index in the lookback period is 2.61%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004335 XXX Refinance Cash-out - Other Primary 11/XX/2006 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523991 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95004335 XXX Refinance Cash-out - Other Primary 11/XX/2006 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523992 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004335 XXX Refinance Cash-out - Other Primary 11/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538249 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,314,811.54 is underdisclosed from calculated Finance Charge of $1,335,973.55 in the amount of $21,162.01. Under-disclosure appears to be due to ARM index. Lowest index within look back period is 4.65%, approval states index is 4.49%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004335 XXX Refinance Cash-out - Other Primary 11/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538946 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004601 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6514490 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004601 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514603 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
95004601 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6514604 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004601 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514608 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004601 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6514671 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004601 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2007 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539236 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $944,650.75 is underdisclosed from calculated Finance Charge of $944,908.51 in the amount of $257.76. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001910 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   3 6645794 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95001910 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6646067 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001910 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646269 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001910 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646272 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
95001910 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6646460 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001910 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6686418 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $823,206.85 is underdisclosed from calculated Finance Charge of $934,800.00 in the amount of $111,593.15. Bi weekly         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001910 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6686464 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002091 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646571 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95002091 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646573 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95002091 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6646574 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003793 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646163 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003793 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646164 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003793 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646165 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95003793 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6684615 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $652923.84 is underdisclosed from calculated Finance Charge of $703500.05 in the amount of $-50576.21. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.79%. Truth In Lending Act: Final TIL APR of 6.879% is underdisclosed from calculated APR of 7.204% in the amount of -0.325%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.79%.          
95003109 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6516469 Missing Document: Missing Final 1003             Provide missing documentation
95003109 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6527026 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95003109 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527029 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003109 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6534858 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003109 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6553161 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $561,541.07 is underdisclosed from calculated Finance Charge of $593494.87 in the amount of $31953.80. Lender Index of 2.61% as reflected on the loan approval is not available in our look-back period. Closest available index is 2.89%.          
95003496 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6513856 Missing Document: Missing Final 1003             Provide missing documentation
95003496 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517144 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003496 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517145 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95003496 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517147 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003496 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517148 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003496 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6547571 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $678,632.66 is underdisclosed from calculated Finance Charge of $696,389.21 in the amount of $17,756.55. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002230 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521762 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002230 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539722 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
95002230 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539724 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002230 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6559466 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,008,072.14 is underdisclosed from calculated Finance Charge of $1,012,597.90 in the amount of $4,525.76. Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002136 XXX Purchase Primary 9/XX/2007 DE $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516899 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95002136 XXX Purchase Primary 9/XX/2007 DE $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516900 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002136 XXX Purchase Primary 9/XX/2007 DE $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516901 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002136 XXX Purchase Primary 9/XX/2007 DE $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6538620 Missing Document: Missing Final 1003             Provide missing documentation
95002136 XXX Purchase Primary 9/XX/2007 DE $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6538963 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002484 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6514620 Missing Document: Missing Final 1003             Provide missing documentation
95002484 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515808 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2003.           Provide missing documentation
95002484 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6538287 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003608 XXX Refinance Cash-out - Other Investment 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6516276 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003608 XXX Refinance Cash-out - Other Investment 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   3 6516349 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95003608 XXX Refinance Cash-out - Other Investment 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516350 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95001499 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6514573 Missing Document: Missing Final 1003             Provide missing documentation
95001499 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6515400 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001499 XXX Purchase Primary 3/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517737 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $840,974.97 is underdisclosed from calculated Finance Charge of $891,370.16 in the amount of $50,395.19. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002778 XXX Refinance Cash-out - Other Primary 6/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6517822 Missing Document: Missing Final 1003             Provide missing documentation
95002778 XXX Refinance Cash-out - Other Primary 6/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518409 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $388,836.15 is underdisclosed from calculated Finance Charge of $408,014.43 in the amount of $19,178.28. Loan Application/Commitment Recap indicates the Index used was 1.693%. The closest Index available in our look-back period is 2.33167%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002778 XXX Refinance Cash-out - Other Primary 6/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6518485 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002778 XXX Refinance Cash-out - Other Primary 6/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539293 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95002778 XXX Refinance Cash-out - Other Primary 6/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539294 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002778 XXX Refinance Cash-out - Other Primary 6/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539296 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003199 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516844 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.05400% is underdisclosed from calculated APR of 6.33115% outside of 0.125% tolerance. Loan Approval indicates the Index used was 2.78%. The closest Index available in our look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003199 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516845 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $787,442.13 is underdisclosed from calculated Finance Charge of $850,764.99 in the amount of $63,322.86. Loan Approval indicates the Index used was 2.78%. The closest Index available in our look-back period is 3.06%;         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517041 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95004818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6517042 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95004818 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539919 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,523,160.12 is underdisclosed from calculated Finance Charge of $1,524,463.60 in the amount of $1,303.48. Approval indicate the Index used was 4.85%. The closest Index available in our look back period is 4.9%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002461 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6515786 Missing Document: Missing Final 1003             Provide missing documentation
95002461 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6518261 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002461 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518435 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
95002461 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2003 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518436 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Compliance Open   2 6645887 (Doc Error) TIL Error: Final TIL not signed by all required parties              
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6645898 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646143 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6646144 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646146 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646147 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.17000% is underdisclosed from calculated APR of 7.44859% outside of 0.125% tolerance. Closing instructions indicate the Index used was 3.66%. The lowest Index available within the look-back period is 3.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646148 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,387,224.04 is underdisclosed from calculated Finance Charge of $1,489,239.32 in the amount of $102,015.28. Closing instructions indicate the Index used was 3.66%. The lowest Index available within the look-back period is 3.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646149 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646150 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001723 XXX Refinance Cash-out - Other Primary 7/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6668772 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002079 XXX Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6668895 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95002079 XXX Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6668896 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002079 XXX Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6668897 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002079 XXX Refinance Cash-out - Other Primary 6/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6668978 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Miscellaneous Compliance Compliance Open   2 6516140 (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing              
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516541 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2012.           Provide missing documentation
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516543 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516545 RESPA - Initial GFE Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516546 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516547 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516548 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516549 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516550 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516551 TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540108 SAFE Act - LO Company not licensed at time of application Unable to test LO company NMLS license due to missing information.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540109 SAFE Act - Individual LO NMLS license status not approved Unable to test Individual Loan Originator license status due to missing information.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540110 SAFE Act - Individual LO not licensed at time of application Unable to test Loan Originator license due to missing information.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540112 SAFE Act - LO Company NMLS license status not approved Unable to test LO company status due to missing information.            
95000064 XXX Refinance Rate/Term Primary 3/XX/2013 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6544861 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002624 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6514590 Missing Document: Missing Final 1003             Provide missing documentation
95002624 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6515981 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002624 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516155 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.           Provide missing documentation
95002624 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516156 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002624 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6516157 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $344,893.24 is underdisclosed from calculated Finance Charge of $351,706.37 in the amount of $6,813.13. Approval indicates 1.212% the closest index available during look back period was 1.27667%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002501 XXX Purchase Primary 11/XX/2003 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6516647 Missing Document: Missing Final 1003             Provide missing documentation
95002501 XXX Purchase Primary 11/XX/2003 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535109 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2003.           Provide missing documentation
95002501 XXX Purchase Primary 11/XX/2003 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535110 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002501 XXX Purchase Primary 11/XX/2003 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535111 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001783 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6524402 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001783 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6524445 Missing Document: Missing Final 1003             Provide missing documentation
95001783 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524515 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.06000% is underdisclosed from calculated APR of 7.38042% outside of 0.125% tolerance. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001783 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524516 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,093,653.60 is underdisclosed from calculated Finance Charge of $1,176,970.38 in the amount of $83,316.78. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001783 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540089 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001783 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540090 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95001783 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540091 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001783 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6544895 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001617 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6520761 Missing Document: Missing Final 1003             Provide missing documentation
95001617 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6520899 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001617 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   3 6520927 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95001617 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520928 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95001617 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520930 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001617 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540088 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $675,581.06 is underdisclosed from calculated Finance Charge of $711,127.15 in the amount of $35,546.09. Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004868 XXX Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523907 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004868 XXX Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523908 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $290,145.38 is underdisclosed from calculated Finance Charge of $291,058.48 in the amount of $913.10. Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004868 XXX Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541022 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95004868 XXX Refinance Rate/Term Primary 10/XX/2007 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541023 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95005047 XXX Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521818 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
95005047 XXX Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521819 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95005047 XXX Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6540022 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003948 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6519999 Missing Document: Missing Final 1003             Provide missing documentation
95003948 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521571 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
95003948 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6521572 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95003948 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521574 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $62,389.75 is underdisclosed from calculated Finance Charge of $62,438.70 in the amount of $48.95. The itemization of amount financed indicated the prepaid closing cost of $419.33, the HUD indicates $459.75. The itemization only indicated a lump sum.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003948 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521575 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003948 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540441 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003948 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   3 6552255 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Unable to determine if the file contains a disclosure summary of all material terms due to missing information.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95003444 XXX Refinance Cash-out - Other Primary 1/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6529423 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95003444 XXX Refinance Cash-out - Other Primary 1/XX/2006 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   3 6552333 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Unable to determine if the file contains a disclosure summary of all material terms due to missing information.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001860 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6520779 Missing Document: Missing Final 1003             Provide missing documentation
95001860 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521742 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001860 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540392 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
95001860 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540393 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001537 XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6644880 Missing Document: Missing Final 1003             Provide missing documentation
95001537 XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646627 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95001537 XXX Refinance Cash-out - Other Primary 3/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6687401 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $223173.85 is underdisclosed from calculated Finance Charge of $233663.92 in the amount of $-10490.07. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.56%. Truth In Lending Act: Final TIL APR of 7.014% is underdisclosed from calculated APR of 7.243% in the amount of -0.229%. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.56%.          
95003257 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534857 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95003257 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CT $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6553664 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $178,374.59 is underdisclosed from calculated Finance Charge of $185255.95 in the amount of $6881.36.          
95001612 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521042 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95001612 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521043 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001612 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521046 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $293,175.90 is underdisclosed from calculated Finance Charge of $307,729.89 in the amount of $14,553.99. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003875 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6520726 Missing Document: Missing Final 1003             Provide missing documentation
95003875 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521796 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95003875 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521797 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003875 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521798 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003875 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521800 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $239,714.75 is underdisclosed from calculated Finance Charge of $247,728.09 in the amount of $8,013.34. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003875 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6521911 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003631 XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646800 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003631 XXX Refinance Cash-out - Other Primary 3/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6687241 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $235045.41 is underdisclosed from calculated Finance Charge of $241517.2 in the amount of $-6471.79. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.36%. Truth In Lending Act: Final TIL APR of 6.815% is underdisclosed from calculated APR of 6.953% in the amount of -0.138%. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.36%.          
95002602 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6521496 Missing Document: Missing Final 1003             Provide missing documentation
95002602 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6522254 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95002602 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540647 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
95002602 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540650 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002602 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540651 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002602 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2004 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   3 6551826 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Unable to determine if the file contains a disclosure summary of all material terms due to missing information.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95003209 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527632 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003209 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541271 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95003209 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541273 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003209 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541274 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003209 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541275 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $174,576.57 is underdisclosed from calculated Finance Charge of $183,686.62 in the amount of $9,110.05. Approval indicates the Index used was 2.78%. The closes Index available in our look-back period is 2.97%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003443 XXX Refinance Rate/Term Primary 12/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6518967 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003443 XXX Refinance Rate/Term Primary 12/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518968 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003443 XXX Refinance Rate/Term Primary 12/XX/2005 MA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560042 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $229,323.24 is underdisclosed from calculated Finance Charge of $229764.72 in the amount of $441.48. Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%.          
95004922 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521671 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95004922 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6521677 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95004922 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6521721 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not provided to borrower at closing. The notary date is after the AFMV signature date.         To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004922 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6540975 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004922 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6544863 Missing Valuation:   Appraisal not provided         Provide missing documentation
95004922 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   3 6559885 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95002929 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522313 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $200,162.51 is underdisclosed from calculated Finance Charge of $210,331.75 in the amount of $10,169.24. Loan commitment indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002929 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541160 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95002929 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541161 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002929 XXX Refinance Cash-out - Other Primary 9/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541162 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003898 XXX Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523444 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003898 XXX Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523448 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003898 XXX Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540888 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95003898 XXX Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540889 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003898 XXX Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540890 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003898 XXX Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540891 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.08200% is underdisclosed from calculated APR of 7.50263% outside of 0.125% tolerance. Lender used an index value of 3.66%. Closest in the look back period is 4.11%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003898 XXX Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540892 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $334,866.93 is underdisclosed from calculated Finance Charge of $373,035.41 in the amount of $38,168.48. Lender used an index value of 3.66%. Closest in the look back period is 4.11%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003898 XXX Refinance Cash-out - Other Primary 7/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6541058 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001233 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522295 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001233 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522296 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95001233 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522297 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001233 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522300 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001233 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522302 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $224,133.60 is underdisclosed from calculated Finance Charge of $228,878.39 in the amount of $4,744.79. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001233 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522303 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001233 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6540908 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001233 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541057 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001310 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6521505 Missing Document: Missing Final 1003             Provide missing documentation
95001310 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521617 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001310 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521618 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95001310 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521619 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001310 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540744 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $212,857.41 is underdisclosed from calculated Finance Charge of $222,729.18 in the amount of $9,871.77. Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14%;         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001734 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6527926 Missing Document: Missing Final 1003             Provide missing documentation
95001734 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6528468 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001734 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6528475 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95001734 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528493 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001734 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6528520 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not provided to borrower at closing. Acknowledgment of the Fair Market Value was provided 7/XX/2006.     (2018/XX/08): There is a separate finding on this loan for the Acknowledgment of the Fair Market Value not provided to borrower at closing. The comments say the acknowledgement is dated 7/XX/2006; isn't that the closing date? (2018/XX/08): The printed date at the top as well as on the signature line of the Acknowledgment of Fair Market Value is 7/XX/2006. The printed date on the Note is also 7/XX/2006. However, the loan documents were not signed until 8/XX/2006 per the Notary date, TIL Signature Date and Right to Cancel Signature Date. To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001734 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540633 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001734 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6544864 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001734 XXX Refinance Cash-out - Other Primary 7/XX/2006 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   3 6553556 (TX50(a)(6)) Texas Cash-out Loan (CLTV Exceeds 80% Threshold) Texas Constitution Section 50(a)(6): CLTV of 81.50000% exceeds 80% of $160,000.00 (the value reflected on the valuation). The loan file contains 2 desk reviews from the same reviewer, dated 06/XX/2006 and 06/XX/2006. The earlier dated desk review indicates they disagree with an original appraised value of $156,000 and that the revised appraised value is $160,000. A copy of the original appraisal for $156,000 was not found in the image file provided. The later dated desk review then indicated that they disagreed with their own $160,000 and that the amended value is $163,000. AMC utilized the lesser $160,000 value in this determination.     (2018/XX/08): AMC's comments indicate that the loan file contains 2 desk reviews from the same reviewer, dated 06/XX/2006 and 06/XX/2006 and that AMC relied upon the lesser value from the desk review dated 6/26. They stated the most recently dated desk review has a higher value, but that there is no indication of any changes to justify the increase in value from the earlier report. Is there a difference between the desk review dates 6/26 and the one dated 6/29 as far as documentation of reasons for the increase in value? (2018/XX/08): The 1st desk review consists of 8 pages and shows a value of $160,000 as of 6/XX/2006 after review of an appraisal from 7/XX/2000 with a value of $130,000. The 2nd desk review is a review of the previous desk review. Only 3 pages of the 2nd desk review were provided in the image file: the analysis page that shows the review appraiser disagrees with the previous review appraiser and the 2 pages that contain all the standard explanations of definition of market value, purpose, intended user(s), scope of work, certification of limiting conditions, contingent and limiting conditions and the appraiser's signature. There is no item marked or any statement on the 3 pages that explains why the 2nd desk review appraiser disagrees with the 1st desk review appraiser. Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%.
95000206 XXX Refinance Cash-out - Other Primary 1/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6522001 Missing Document: Missing Final 1003             Provide missing documentation
95000206 XXX Refinance Cash-out - Other Primary 1/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522480 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95000206 XXX Refinance Cash-out - Other Primary 1/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6522490 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95000206 XXX Refinance Cash-out - Other Primary 1/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522509 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000206 XXX Refinance Cash-out - Other Primary 1/XX/2004 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522546 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95000206 XXX Refinance Cash-out - Other Primary 1/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6541250 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. Utilized HUD         Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001635 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647450 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95001635 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647454 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001635 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669462 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001635 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6688914 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $254861.17 is underdisclosed from calculated Finance Charge of $266533.33 in the amount of $-11672.16. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 6.932% is underdisclosed from calculated APR of 7.138% in the amount of -0.206%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%.          
95002656 XXX Refinance Cash-out - Other Investment 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6521887 Missing Document: Missing Final 1003             Provide missing documentation
95002656 XXX Refinance Cash-out - Other Investment 11/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521996 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2004.           Provide missing documentation
95001196 XXX Refinance Cash-out - Other Primary 10/XX/2005 IL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522176 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $259,028.82 is underdisclosed from calculated Finance Charge of $264,697.66 in the amount of $5,668.84. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001196 XXX Refinance Cash-out - Other Primary 10/XX/2005 IL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522261 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95001196 XXX Refinance Cash-out - Other Primary 10/XX/2005 IL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522262 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001196 XXX Refinance Cash-out - Other Primary 10/XX/2005 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541634 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003125 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6522495 Missing Document: Missing Final 1003             Provide missing documentation
95003125 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522855 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95003125 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522857 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003125 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522858 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003125 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522859 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $317,184.49 is underdisclosed from calculated Finance Charge of $334,361.60 in the amount of $17,177.11. Approval indicates the Index used was 2.7%. The closest Index available in our look-back period is 2.89%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003125 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522860 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003125 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522861 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002902 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OH $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523092 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $212,244.90 is underdisclosed from calculated Finance Charge of $222,470.85 in the amount of $10,225.95. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002902 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2005 OH $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6542109 Missing Document: Missing Final 1003             Provide missing documentation
95000164 XXX Purchase Primary 3/XX/2004 GA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6516727 Missing Document: Missing Final 1003             Provide missing documentation
95000164 XXX Purchase Primary 3/XX/2004 GA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518263 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
95000164 XXX Purchase Primary 3/XX/2004 GA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518265 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000164 XXX Purchase Primary 3/XX/2004 GA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518267 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000164 XXX Purchase Primary 3/XX/2004 GA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518268 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000628 XXX Refinance Cash-out - Other Second Home 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523067 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000628 XXX Refinance Cash-out - Other Second Home 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523068 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2004.           Provide missing documentation
95000628 XXX Refinance Cash-out - Other Second Home 2/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523069 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000628 XXX Refinance Cash-out - Other Second Home 2/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6544877 Missing Document: Missing Final 1003             Provide missing documentation
95000628 XXX Refinance Cash-out - Other Second Home 2/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544886 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $212,590.95 is underdisclosed from calculated Finance Charge of $220,541.22 in the amount of $7,950.27. Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001664 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6522326 Missing Document: Missing Final 1003             Provide missing documentation
95001664 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522630 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95001664 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6522633 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $407,461.66 is underdisclosed from calculated Finance Charge of $428,159.12 in the amount of $20,697.46. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001664 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6544889 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6645526 Missing Document: Missing Final 1003             Provide missing documentation
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Compliance Open   2 6648160 (Doc Error) TIL Error: Final TIL not signed by all required parties              
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6648231 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648428 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669930 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance State Compliance Compliance Open   2 6669931 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669933 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669934 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002068 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669935 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $517,007.13 is underdisclosed from calculated Finance Charge of $518,796.93 in the amount of $1,789.80. The approval index is 4.75% and the lowest lookback index is 4.77%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002440 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 TX $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6523112 Missing Document: Missing Final 1003             Provide missing documentation
95002440 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6523312 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42.1 Endorsement, there is no evidence the Title Policy includes the Texas T-42 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
95002440 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 TX $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   3 6523313 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95002440 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523315 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95002440 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2002 TX $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523316 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003838 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519094 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003838 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535752 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95003838 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 MA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560424 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $275,727.38 is underdisclosed from calculated Finance Charge of $284,052.27 in the amount of $8,324.89. Closing instructions indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.79%          
95002283 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647267 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002283 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647268 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
95002283 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647272 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002283 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6647377 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95002283 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670282 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002283 XXX Refinance Rate/Term Primary 11/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670354 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95005133 XXX Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523468 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95005133 XXX Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6523472 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95005133 XXX Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523479 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95005133 XXX Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6523543 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95005133 XXX Refinance Rate/Term Primary 2/XX/2008 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6523554 Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable            
95004409 XXX Refinance Cash-out - Other Primary 12/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647889 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004409 XXX Refinance Cash-out - Other Primary 12/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6647915 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004409 XXX Refinance Cash-out - Other Primary 12/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6686047 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
95004409 XXX Refinance Cash-out - Other Primary 12/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6686048 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004409 XXX Refinance Cash-out - Other Primary 12/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6687287 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $374327.99 is underdisclosed from calculated Finance Charge of $381915.92 in the amount of $-7587.93. Approval indicates the lender used a lower index value than permitted in the lookback period. Truth In Lending Act: Final TIL APR of 7.691% is underdisclosed from calculated APR of 7.825% in the amount of -0.134%. Approval indicates the lender used a lower index value than permitted in the lookback period.          
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6646965 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647280 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647283 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Loan Package Documentation Application / Processing Credit Open   3 6669851 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669955 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669957 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6669958 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance State Compliance Compliance Open   2 6669979 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA loan is the lesser of 3 months interest or 1 year's interest-note states 2%. Lender is XXX          
95004062 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6684766 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $402291.04 is underdisclosed from calculated Finance Charge of $438242.466 in the amount of $-35951.43. Approval indicates the index used was 3.94%. The lowest index available within the look-back period is 4.34%. Truth In Lending Act: Final TIL APR of 7.438% is underdisclosed from calculated APR of 7.834% in the amount of -0.396%. Approval indicates the index used was 3.94%. The lowest index available within the look-back period is 4.34%.          
95003901 XXX Refinance Cash-out - Other Primary 6/XX/2006 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523649 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003901 XXX Refinance Cash-out - Other Primary 6/XX/2006 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523650 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
95003901 XXX Refinance Cash-out - Other Primary 6/XX/2006 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523651 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95003901 XXX Refinance Cash-out - Other Primary 6/XX/2006 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523652 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004103 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   3 6523686 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95004103 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6544907 Missing Document: Missing Final 1003             Provide missing documentation
95004103 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544910 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95004103 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544911 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004103 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544912 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004103 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544913 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004635 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6528993 Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.            
95004635 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6528996 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.            
95004635 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6528998 Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.            
95004635 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528999 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001307 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6531648 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001307 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531792 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95001307 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531794 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.59300% is underdisclosed from calculated APR of 6.98407% outside of 0.125% tolerance. Loan Approval indicates the index used was 2.97%. The closest index available in our look-back period is 3.36%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001307 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531795 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $302,821.88 is underdisclosed from calculated Finance Charge of $335,485.78 in the amount of $32,663.90. Loan Approval indicates the index used was 2.97%. The closest index available in our look-back period is 3.36%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001307 XXX Refinance Cash-out - Other Primary 12/XX/2005 FL $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6544908 Missing Document: Missing Final 1003             Provide missing documentation
95001773 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523639 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001773 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523640 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001773 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523641 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001773 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523642 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001773 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6549921 Missing Valuation:   Appraisal not provided         Provide missing documentation
95003186 XXX Refinance Cash-out - Other Second Home 10/XX/2005 NV $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523791 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.44700% is underdisclosed from calculated APR of 6.78531% outside of 0.125% tolerance. Approval indicates the Index used was 2.658%. The closest Index available in our look-back period is 3%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003186 XXX Refinance Cash-out - Other Second Home 10/XX/2005 NV $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523792 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $336,106.87 is underdisclosed from calculated Finance Charge of $368,262.03 in the amount of $32,155.16. Approval indicates the Index used was 2.658%. The closest Index available in our look-back period is 3%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003186 XXX Refinance Cash-out - Other Second Home 10/XX/2005 NV $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544915 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95003186 XXX Refinance Cash-out - Other Second Home 10/XX/2005 NV $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544916 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545170 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545171 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545172 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545173 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545175 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $620,506.99 is underdisclosed from calculated Finance Charge of $651,698.36 in the amount of $31,191.37. Approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545277 Right of Rescission Timing - Receipt Date Missing Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545278 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545279 Notice of Right To Cancel Not Provided to All Required Parties Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545280 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
95001835 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6559526 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.71100% is underdisclosed from calculated APR of 8.08069% outside of 0.125% tolerance. Approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000133 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6526977 Missing Document: Missing Final 1003             Provide missing documentation
95000133 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528105 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.           Provide missing documentation
95000133 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528107 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95000133 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528108 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000133 XXX Refinance Cash-out - Other Primary 5/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528111 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003234 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523995 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $364,936.89 is underdisclosed from calculated Finance Charge of $373,662.45 in the amount of $8,725.56. Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003234 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6524034 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003449 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6535989 Missing Document: Missing Final 1003             Provide missing documentation
95003449 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538091 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95003449 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545135 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $402,601.54 is underdisclosed from calculated Finance Charge of $421,873.09 in the amount of $19,271.55. Approval indicates the Index used was 3.06%. The closest Index available in our lookback period is 3.24%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003449 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545158 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95003449 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545159 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003449 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545160 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003449 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545161 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001003 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6523895 Missing Document: Missing Final 1003             Provide missing documentation
95001003 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523999 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95001003 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544974 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95001003 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544975 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001003 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544976 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001003 XXX Refinance Rate/Term Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544977 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6524266 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6524267 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95001270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6524268 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6524269 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6524270 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6524271 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $367,193.19 is underdisclosed from calculated Finance Charge of $384,063.72 in the amount of $16,870.53. Loan was approved using index 2.970 per note the most recent index available is 3.140, resulting in the under disclosure         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001270 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6524272 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001731 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647676 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001731 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6647677 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001731 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647679 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001731 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647680 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001731 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6647855 Missing Document: Missing Final 1003             Provide missing documentation
95001731 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670156 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95001731 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670157 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $410,255.09 is underdisclosed from calculated Finance Charge of $425,856.56 in the amount of $15,601.47. Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 3.94%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004593 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6524409 Missing Document: Missing Final 1003             Provide missing documentation
95004593 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524462 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004593 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524463 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95004593 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524466 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004593 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544989 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004593 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6559493 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $462,797.92 is underdisclosed from calculated Finance Charge of $463,033.52 in the amount of $235.60. Approval indicates the Index used was 4.92%. The lowest Index available within the look-back period is 4.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002949 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6524410 Missing Document: Missing Final 1003             Provide missing documentation
95002949 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524538 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002949 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545233 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
95002949 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545234 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002949 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545235 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002949 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545236 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002949 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545238 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $232,850.48 is underdisclosed from calculated Finance Charge of $234,961.03 in the amount of $2,110.55. Approval indicates the Index used was 1.97%. The closest Index available in our look-back period is 2.00%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002514 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6534869 Missing Document: Missing Final 1003             Provide missing documentation
95002514 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535305 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95002514 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545086 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2004.           Provide missing documentation
95002514 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545087 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002514 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545088 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002514 XXX Refinance Cash-out - Other Primary 2/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545089 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001061 XXX Refinance Cash-out - Other Investment 8/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6520054 Missing Document: Missing Final 1003             Provide missing documentation
95001061 XXX Refinance Cash-out - Other Investment 8/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520128 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001061 XXX Refinance Cash-out - Other Investment 8/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520129 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
95001061 XXX Refinance Cash-out - Other Investment 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6535023 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004228 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524549 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95004228 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6524551 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004228 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524554 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004228 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545080 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004228 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545081 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004228 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546202 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $544,599.58 is underdisclosed from calculated Finance Charge of $544,766.88 in the amount of $167.30. Unable to determine under disclosure due to missing itemization of amount financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004506 XXX Refinance Rate/Term Primary 2/XX/2007 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519849 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004506 XXX Refinance Rate/Term Primary 2/XX/2007 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6520406 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004506 XXX Refinance Rate/Term Primary 2/XX/2007 MA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6544387 Missing Valuation:   Appraisal not provided         Provide missing documentation
95004506 XXX Refinance Rate/Term Primary 2/XX/2007 MA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6554413 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $383059.32 is underdisclosed from calculated Finance Charge of $391532.39 in the amount of $8473.07. Closing instructions indicate an index of 4.69% was used however 4.77% is the lowest available in the lookback period.          
95003197 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6524532 Missing Document: Missing Final 1003             Provide missing documentation
95003197 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524624 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $338,028.46 is underdisclosed from calculated Finance Charge of $355,735.00 in the amount of $17,706.54. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003197 XXX Refinance Cash-out - Other Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6524625 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004695 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6553963 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004695 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   3 6553964 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95004695 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6553965 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95004695 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6553966 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $741,259.02 is underdisclosed from calculated Finance Charge of $744,989.90 in the amount of $3,730.88. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004695 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6554069 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001614 XXX Refinance Cash-out - Other Primary 6/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6524744 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001254 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525068 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95001254 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525069 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001254 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525070 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $383,334.07 is underdisclosed from calculated Finance Charge of $392,416.59 in the amount of $9,082.52. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002298 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525529 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
95002298 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NY $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6525530 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state (NY)          
95002298 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525531 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002298 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NY $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6545028 Missing Document: Missing Final 1003             Provide missing documentation
95002298 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NY $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545155 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002298 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 NY $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6558060 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $535,968.69 is underdisclosed from calculated Finance Charge of $536,405.60 in the amount of $436.91. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95005004 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525295 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
95005004 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525296 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95005004 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2007 FL $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545073 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000801 XXX Refinance Cash-out - Other Primary 6/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6525265 Missing Document: Missing Final 1003             Provide missing documentation
95000801 XXX Refinance Cash-out - Other Primary 6/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6525570 (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.           Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95000801 XXX Refinance Cash-out - Other Primary 6/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6525576 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95000801 XXX Refinance Cash-out - Other Primary 6/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525586 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95000801 XXX Refinance Cash-out - Other Primary 6/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525589 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $180,432.85 is underdisclosed from calculated Finance Charge of $183,620.12 in the amount of $3,187.27. Loan Approval indicates lender index was 2.61%. Closest Index available in our look back period is 2.7%. Additionally, under disclosure appears to be payment stream related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000801 XXX Refinance Cash-out - Other Primary 6/XX/2005 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6525612 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95003649 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6664841 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003649 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance State Compliance Compliance Open   2 6664843 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003649 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6664846 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003649 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670369 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003649 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6686905 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $350548.5 is underdisclosed from calculated Finance Charge of $375503.02 in the amount of $-24954.52. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 7.052% is underdisclosed from calculated APR of 7.372% in the amount of -0.32%. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.66%.          
95001488 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6647158 Missing Document: Missing Final 1003             Provide missing documentation
95001488 XXX Refinance Rate/Term Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648108 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $461,487.32 is underdisclosed from calculated Finance Charge of $471,762.00 in the amount of $10,274.68. Closing instructions indicate the Index used was 3.36%. The lowest Index available within the look-back period is 3.46%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002261 XXX Refinance Rate/Term Primary 10/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526404 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
95002261 XXX Refinance Rate/Term Primary 10/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6526405 Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.            
95002261 XXX Refinance Rate/Term Primary 10/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6526406 Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.            
95002261 XXX Refinance Rate/Term Primary 10/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526439 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002261 XXX Refinance Rate/Term Primary 10/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6526440 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed.            
95002261 XXX Refinance Rate/Term Primary 10/XX/2007 RI $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6526441 Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely) Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. Rhode Island Home Loan Disclosure is dated 10/XX/2007, missing lender' s initial application to verify timing requirements.          
95002621 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6525319 Missing Document: Missing Final 1003             Provide missing documentation
95002621 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526046 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
95002621 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526048 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002621 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526050 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002621 XXX Refinance Cash-out - Other Primary 7/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6547006 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $232,829.01 is underdisclosed from calculated Finance Charge of $235,574.10 in the amount of $2,745.09. The approval indicates the Index used was 1.118%. The closest Index available within the look back period is 1.16167%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003194 XXX Refinance Cash-out - Other Investment 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6525758 Missing Document: Missing Final 1003             Provide missing documentation
95003194 XXX Refinance Cash-out - Other Investment 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6525867 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003194 XXX Refinance Cash-out - Other Investment 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6525877 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
95003194 XXX Refinance Cash-out - Other Investment 9/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   3 6545156 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95000872 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6526408 Missing Document: Missing Final 1003             Provide missing documentation
95000872 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526522 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000872 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526523 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95000872 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526525 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000872 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526526 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000872 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526527 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000872 XXX Refinance Cash-out - Debt Consolidation Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526528 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $506,498.65 is underdisclosed from calculated Finance Charge of $530,778.84 in the amount of $24,280.19. The Loan Approval indicates the Index used was 2.61%. The closest Index available in our look-back period is 2.78%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000751 XXX Refinance Cash-out - Other Primary 3/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6525962 Missing Document: Missing Final 1003             Provide missing documentation
95000751 XXX Refinance Cash-out - Other Primary 3/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6526710 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000751 XXX Refinance Cash-out - Other Primary 3/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526989 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000751 XXX Refinance Cash-out - Other Primary 3/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526992 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $230,101.35 is underdisclosed from calculated Finance Charge of $243,389.20 in the amount of $13,287.85. Approval letter indicates the Index used was 2.19%. The closest Index available in our look-back period is 2.39%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000751 XXX Refinance Cash-out - Other Primary 3/XX/2005 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527012 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95000751 XXX Refinance Cash-out - Other Primary 3/XX/2005 FL $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545186 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95000751 XXX Refinance Cash-out - Other Primary 3/XX/2005 FL $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6549923 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001069 XXX Purchase Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6517655 Missing Document: Missing Final 1003             Provide missing documentation
95001069 XXX Purchase Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6519002 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001069 XXX Purchase Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519322 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001069 XXX Purchase Primary 8/XX/2005 VA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519323 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95001069 XXX Purchase Primary 8/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535465 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001069 XXX Purchase Primary 8/XX/2005 VA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6554951 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $346,947.56 is underdisclosed from calculated Finance Charge of $367513.19 in the amount of $20565.63. Loan approval reflects an index of 2.7% was used however 2.89% is the lowest available index in the lookback period.          
95003417 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528570 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $594,440.42 is underdisclosed from calculated Finance Charge of $613,099.76 in the amount of $18,659.34. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003417 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528657 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003417 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6545182 Missing Document: Missing Final 1003             Provide missing documentation
95003417 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545325 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95003417 XXX Purchase Primary 2/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545326 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000074 XXX Refinance Rate/Term Primary 2/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Property - Appraisal General Appraisal Requirements Compliance Open   2 6526446 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
95000074 XXX Refinance Rate/Term Primary 2/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527053 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
95000074 XXX Refinance Rate/Term Primary 2/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527055 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
95000074 XXX Refinance Rate/Term Primary 2/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527056 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
95000074 XXX Refinance Rate/Term Primary 2/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527058 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
95000074 XXX Refinance Rate/Term Primary 2/XX/2013 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545303 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
95003484 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6646828 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (NJ) - max prepayment charge for NJ ARM loan is 0% - note states 2%,2%2%. Lender is XXX          
95003484 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646881 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003484 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646883 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003484 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6646885 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $480,140.69 is underdisclosed from calculated Finance Charge of $508,806.19 in the amount of $28,665.50. Loan Approval indicates the index used was 3.14%. The closest index available in our look-back period is 3.36%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003484 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6670359 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95004794 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6526529 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95001450 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6526957 Missing Document: Missing Final 1003             Provide missing documentation
95001450 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527351 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95001450 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527352 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001450 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527355 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $434,097.55 is underdisclosed from calculated Finance Charge of $460,100.60 in the amount of $26,003.05. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001450 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6551443 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002296 XXX Refinance Rate/Term Primary 1/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527003 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008.           Provide missing documentation
95002296 XXX Refinance Rate/Term Primary 1/XX/2008 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6545219 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003666 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6526305 Missing Document: Missing Final 1003             Provide missing documentation
95003666 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545422 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003666 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545423 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003666 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545427 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $398,530.02 is underdisclosed from calculated Finance Charge of $419,738.24 in the amount of $21,208.22. Approval indicates the Index used was 3.36%. The closest Index available in our look-back period is 3.56%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003666 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545452 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003666 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6549924 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002448 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6526914 Missing Document: Missing Final 1003             Provide missing documentation
95002448 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527042 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.           Provide missing documentation
95002448 XXX Refinance Rate/Term Primary 3/XX/2003 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527043 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004476 XXX Refinance Rate/Term Primary 1/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6647165 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004476 XXX Refinance Rate/Term Primary 1/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6647166 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95002627 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6518039 Missing Document: Missing Final 1003             Provide missing documentation
95002627 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6523099 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002627 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535762 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
95002627 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535765 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002627 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535766 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002627 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535767 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003816 XXX Refinance Cash-out - Other Primary 5/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527447 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $656,381.21 is underdisclosed from calculated Finance Charge of $696,253.56 in the amount of $39,872.35. Loan Approval indicates the Index used was 3.56%%. The closest Index available in our look-back period is 3.79%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003816 XXX Refinance Cash-out - Other Primary 5/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545500 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95003816 XXX Refinance Cash-out - Other Primary 5/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545501 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003816 XXX Refinance Cash-out - Other Primary 5/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545502 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003816 XXX Refinance Cash-out - Other Primary 5/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545503 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000407 XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6526634 Missing Document: Missing Final 1003             Provide missing documentation
95000407 XXX Refinance Cash-out - Other Primary 8/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545428 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $240,797.42 is underdisclosed from calculated Finance Charge of $243,764.44 in the amount of $2,967.02. Loan approval indicates the Index used was 1.118%. The lowest Index available within the look-back period is 1.16167%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001596 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527681 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95001596 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527682 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001596 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527683 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001596 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527684 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001596 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527685 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $517,202.17 is underdisclosed from calculated Finance Charge of $531,566.65 in the amount of $14,364.48. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001596 XXX Purchase Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6545467 Missing Document: Missing Final 1003             Provide missing documentation
95004962 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529473 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004962 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529474 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2007.           Provide missing documentation
95004962 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529476 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001805 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6526973 Missing Document: Missing Final 1003             Provide missing documentation
95001805 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Compliance Open   2 6528538 (Doc Error) TIL Error: Borrower signature not dated.              
95001805 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529003 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001805 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529018 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
95001805 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529051 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001805 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529052 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001805 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545419 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $555,027.49 is underdisclosed from calculated Finance Charge of $562,998.50 in the amount of $7,971.01. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001805 XXX Refinance Cash-out - Other Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6545512 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95004341 XXX Refinance Rate/Term Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6529881 Missing Document: Missing Final 1003             Provide missing documentation
95004341 XXX Refinance Rate/Term Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530013 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004341 XXX Refinance Rate/Term Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   3 6545742 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95004341 XXX Refinance Rate/Term Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545743 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95004341 XXX Refinance Rate/Term Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545744 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004341 XXX Refinance Rate/Term Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6549925 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001566 XXX Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528295 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95001566 XXX Refinance Cash-out - Other Primary 4/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528296 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $577,877.38 is underdisclosed from calculated Finance Charge of $592,992.99 in the amount of $15,115.61. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001220 XXX Refinance Cash-out - Other Primary 10/XX/2005 CO $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527780 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001220 XXX Refinance Cash-out - Other Primary 10/XX/2005 CO $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6527943 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $336,513.77 is underdisclosed from calculated Finance Charge of $343,132.67 in the amount of $6,618.90. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001220 XXX Refinance Cash-out - Other Primary 10/XX/2005 CO $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6551048 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95001220 XXX Refinance Cash-out - Other Primary 10/XX/2005 CO $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6551049 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001220 XXX Refinance Cash-out - Other Primary 10/XX/2005 CO $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6551050 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001710 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MD $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6528036 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001710 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MD $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528162 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001710 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MD $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528163 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
95001710 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MD $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528164 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001710 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MD $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528166 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $755,102.70 is underdisclosed from calculated Finance Charge of $780,597.45 in the amount of $25,494.75. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003695 XXX Purchase Primary 4/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6530770 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003695 XXX Purchase Primary 4/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531136 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003695 XXX Purchase Primary 4/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531138 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
95003695 XXX Purchase Primary 4/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531139 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95003695 XXX Purchase Primary 4/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531140 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003695 XXX Purchase Primary 4/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531142 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003695 XXX Purchase Primary 4/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545591 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003695 XXX Purchase Primary 4/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545593 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $700,995.67 is underdisclosed from calculated Finance Charge of $738,655.35 in the amount of $37,659.68. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000759 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6520323 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000759 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520497 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000759 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559171 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $386579.23 is underdisclosed from calculated Finance Charge of $386863.56 in the amount of $-284.33. Unable to determine under disclosure due to missing itemization of amount financed.          
95000251 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6526886 Missing Document: Missing Final 1003             Provide missing documentation
95000251 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528154 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
95000251 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528155 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000251 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528156 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004672 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528145 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95004672 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528146 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004672 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528147 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004672 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6545631 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95001760 XXX Refinance Rate/Term Primary 8/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530912 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001760 XXX Refinance Rate/Term Primary 8/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530914 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001760 XXX Refinance Rate/Term Primary 8/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530915 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001760 XXX Refinance Rate/Term Primary 8/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530916 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001760 XXX Refinance Rate/Term Primary 8/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531478 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.35900% is underdisclosed from calculated APR of 7.66976% outside of 0.125% tolerance. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001760 XXX Refinance Rate/Term Primary 8/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531479 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $669,815.58 is underdisclosed from calculated Finance Charge of $692,824.21 in the amount of $23,008.63. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002960 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6528225 Missing Document: Missing Final 1003             Provide missing documentation
95002960 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528430 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95002960 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528431 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002960 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528432 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $518,732.54 is underdisclosed from calculated Finance Charge of $544,708.90 in the amount of $25,976.36. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002960 XXX Purchase Primary 2/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6545755 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001487 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6527236 Missing Document: Missing Final 1003             Provide missing documentation
95001487 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528680 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001487 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528682 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95001487 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528683 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001487 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528685 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001487 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528686 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001487 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528688 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $449,515.37 is underdisclosed from calculated Finance Charge of $463,696.36 in the amount of $14,180.99. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001487 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6528689 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
95004934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530559 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95004934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530560 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545651 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004934 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6559500 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $920,089.61 is underdisclosed from calculated Finance Charge of $923,490.51 in the amount of $3,400.90. Approval indicates the Index used was 4.88%. The closest Index available in our lookback period is 4.9%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004277 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518848 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
95004277 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518849 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95004277 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 FL $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6518850 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004277 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 FL $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559673 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $823,466.35 is underdisclosed from calculated Finance Charge of $823466.35 in the amount of $23881.91. Approval indicates the index used was 4.897%. The lowest index available within the look-back period was 4.99667%.          
95003713 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6528205 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95003713 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6545628 Missing Document: Missing Final 1003             Provide missing documentation
95003713 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545898 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95003713 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545899 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003713 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545900 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003713 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545901 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003713 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545903 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $613,016.87 is underdisclosed from calculated Finance Charge of $645,399.42 in the amount of $32,382.55. Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002780 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6529555 Missing Document: Missing Final 1003             Provide missing documentation
95002780 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6529847 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002780 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529931 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002780 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529932 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.31100% is underdisclosed from calculated APR of 6.47733% outside of 0.125% tolerance. Approvals indicate the Index used was 2.492%. The closest Index available in our look-back period is 3.65833%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002780 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529933 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $523,753.25 is underdisclosed from calculated Finance Charge of $547,797.75 in the amount of $24,044.50. Approvals indicate the Index used was 2.492%. The closest Index available in our look-back period is 3.65833%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002780 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529934 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 08/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002780 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529935 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002780 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6549926 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002042 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529136 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002042 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6545559 Missing Document: Missing Final 1003             Provide missing documentation
95002042 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545815 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
95002042 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545819 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002042 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6551444 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002042 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6557939 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $720,562.40 is underdisclosed from calculated Finance Charge of $723,960.52 in the amount of $3,398.12. Approval indicates the Index used was 4.73%. The closest Index available in our lookback period is 4.75%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001933 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6648287 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001933 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648289 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $738,226.69 is underdisclosed from calculated Finance Charge of $756,379.28 in the amount of $18,152.59. Lender's approval indicates the Index used was 4.897%. The lowest Index available within the look-back period is 4.99667%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001933 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648290 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001933 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6671223 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003337 XXX Purchase Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530699 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $607,848.96 is underdisclosed from calculated Finance Charge of $635,183.41 in the amount of $27,334.45. Lender Commitment indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003337 XXX Purchase Primary 11/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545775 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95003337 XXX Purchase Primary 11/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545776 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003112 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6529054 Missing Document: Missing Final 1003             Provide missing documentation
95003112 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529190 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $583,904.69 is underdisclosed from calculated Finance Charge of $596,945.71 in the amount of $13,041.02. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003112 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545712 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95003112 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545713 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003112 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545714 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003112 XXX Refinance Cash-out - Other Primary 8/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545715 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004483 XXX Refinance Cash-out - Other Investment 2/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649074 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95002006 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529106 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95002006 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6545710 Missing Document: Missing Final 1003             Provide missing documentation
95002006 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545786 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
95002006 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545787 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002006 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545788 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002006 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545789 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6519911 Massachusetts Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge not allowed per state (MA) - max late charge for MA is 3% - note states 6%          
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6520132 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520136 Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.           Provide missing documentation
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6535408 Missing Document: Missing Final 1003             Provide missing documentation
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535528 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535529 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535530 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6535573 Note Error: Note late charge percentage exceeds maximum per state   Late charge not allowed per state (MA) - max late charge for MA is 3% - note states 6%          
95000679 XXX Refinance Rate/Term Primary 4/XX/2005 MA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559773 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $346,662.67 is underdisclosed from calculated Finance Charge of $373278.53 in the amount of $26615.86. Approval indicates the Index used was 2.19%. The closest Index available in our look-back period is 2.52%          
95001169 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6528512 Missing Document: Missing Final 1003             Provide missing documentation
95001169 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530173 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95001169 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530174 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001169 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530175 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $520,198.56 is underdisclosed from calculated Finance Charge of $543,572.31 in the amount of $23,373.75. Lender used index value of 2.89% with a published date of 09/XX/2005. The lowest index available within the look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001322 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6527545 Missing Document: Missing Final 1003             Provide missing documentation
95001322 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529334 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $608,917.65 is underdisclosed from calculated Finance Charge of $636,450.34 in the amount of $27,532.69. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001322 XXX Refinance Cash-out - Other Primary 12/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6549927 Missing Valuation:   Appraisal not provided         Provide missing documentation
95004259 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649178 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004259 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649183 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95004259 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649189 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004259 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649190 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004259 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649193 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004259 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6649216 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004367 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6529075 Missing Document: Missing Final 1003             Provide missing documentation
95004367 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529242 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95004367 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529243 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004367 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6545809 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,017,748.41 is underdisclosed from calculated Finance Charge of $1,024,723.71 in the amount of $6,975.30. Approval indicates the Index used was 4.997%. The closest Index available in our look-back period is 5.08083%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95005077 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530696 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6521792 Missing Document: Missing Final 1003             Provide missing documentation
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521864 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521889 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521890 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6535939 Missing Valuation:   Appraisal not provided         Provide missing documentation
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537149 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537150 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537151 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6541051 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002040 XXX Refinance Cash-out - Other Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559896 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $910,778.92 is underdisclosed from calculated Finance Charge of $974743.21 in the amount of $63964.29. The loan approval indicates an index of 5.217% was used however 5.265% is the lowest available in the lookback period.          
95001480 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6528095 Missing Document: Missing Final 1003             Provide missing documentation
95001480 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529589 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95001480 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529590 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001480 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529591 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001480 XXX Refinance Cash-out - Other Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529592 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $582,048.32 is underdisclosed from calculated Finance Charge of $616,235.19 in the amount of $34,186.87. Approval indicates the Index used was 3.24%. The Index available in our look-back period is 3.46%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002119 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6529594 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002119 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6529670 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95002119 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529671 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95002119 XXX Refinance Rate/Term Primary 9/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6545902 Missing Document: Missing Final 1003             Provide missing documentation
95003313 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6529400 Missing Document: Missing Final 1003             Provide missing documentation
95003313 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530365 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003313 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6530366 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95003313 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530370 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $601,024.99 is underdisclosed from calculated Finance Charge of $627,260.46 in the amount of $26,235.47. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003313 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530543 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95003313 XXX Refinance Cash-out - Other Primary 11/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546068 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002222 XXX Refinance Rate/Term Primary 11/XX/2007 GA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531765 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002222 XXX Refinance Rate/Term Primary 11/XX/2007 GA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531766 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95002222 XXX Refinance Rate/Term Primary 11/XX/2007 GA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531768 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002222 XXX Refinance Rate/Term Primary 11/XX/2007 GA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6546071 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95004389 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6522803 Missing Document: Missing Final 1003             Provide missing documentation
95004389 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6528802 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004389 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535770 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95004389 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535771 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004389 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535774 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004389 XXX Refinance Cash-out - Other Primary 12/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560070 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $1,194,687.16 is underdisclosed from calculated Finance Charge of $1377077.31 in the amount of $182390.15. The approval indicates the Index used was 4.997%, the closest Index available in our look-back period is 5.08%.          
95003170 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6529204 Missing Document: Missing Final 1003             Provide missing documentation
95003170 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6529356 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95003170 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529357 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
95003170 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529358 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003170 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529359 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003170 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529360 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003170 XXX Purchase Primary 9/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546065 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $744,275.33 is underdisclosed from calculated Finance Charge of $766,936.76 in the amount of $22,661.43. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000880 XXX Purchase Primary 7/XX/2005 WA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6529085 Missing Document: Missing Final 1003             Provide missing documentation
95000880 XXX Purchase Primary 7/XX/2005 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532929 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $780,274.61 is underdisclosed from calculated Finance Charge of $799,580.97 in the amount of $19,306.36. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000880 XXX Purchase Primary 7/XX/2005 WA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   3 6546114 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95000880 XXX Purchase Primary 7/XX/2005 WA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546115 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2005.           Provide missing documentation
95000880 XXX Purchase Primary 7/XX/2005 WA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546116 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000880 XXX Purchase Primary 7/XX/2005 WA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546117 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000296 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6529762 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000296 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529960 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
95000296 XXX Refinance Cash-out - Other Primary 4/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529962 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002460 XXX Refinance Rate/Term Primary 6/XX/2003 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529838 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2002.           Provide missing documentation
95002460 XXX Refinance Rate/Term Primary 6/XX/2003 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529840 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001401 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530256 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
95001401 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530258 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95001401 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6530261 (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value as it does not match the appraised value.           To Remediate: (1) Deliver to the borrower the required disclosure documents with the correct value and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001401 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6530263 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95001401 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6530265 (TX50(a)(6)) Texas Cash-out Loan (Rescission Period) Texas Constitution Section 50(a)(6): Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95001401 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530266 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001401 XXX Refinance Cash-out - Other Primary 2/XX/2006 TX $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   3 6546269 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004038 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6531579 (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not provided to borrower at closing. The notary date is after the AFMV signature date.         To Remediate: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy. If borrower does not return, THEN (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004038 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6531581 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95004038 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531585 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95004038 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6531861 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95004038 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Cleared 05/22/2018 1 6531862 Right of Rescission Timing - Note Date used as Transaction Date Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements         (2018/XX/22): Additional review of the file revealed a notary dte. Exception cleared.  
95004038 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531863 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001792 XXX Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529681 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001792 XXX Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529682 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001792 XXX Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529683 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001792 XXX Refinance Cash-out - Other Primary 8/XX/2006 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529684 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $498,476.97 is underdisclosed from calculated Finance Charge of $508,598.96 in the amount of $10,121.99. The Loan Approval indicates the Index used was 4.483%. The closest Index available in our look-back period is 4.64%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004784 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6548746 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001786 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6546178 Missing Document: Missing Final 1003             Provide missing documentation
95001786 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6547115 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001786 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6547116 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001786 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6547118 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001786 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6547119 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001786 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6547120 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $278,431.90 is underdisclosed from calculated Finance Charge of $289,302.60 in the amount of $10,870.70. The approval indicates the Index used was 4.483%. The closest Index available within the look back period is 4.64%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002400 XXX Purchase Primary 8/XX/2008 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529885 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.59000% is underdisclosed from calculated APR of 7.53608% outside of 0.125% tolerance.           TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002400 XXX Purchase Primary 8/XX/2008 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6529886 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $151,720.74 is underdisclosed from calculated Finance Charge of $180,776.35 in the amount of $29,055.61. The approval reflects an index of 3.770%, lower than available in the look back period of 4.774%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000713 XXX Refinance Cash-out - Other Primary 3/XX/2005 PA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6520061 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000713 XXX Refinance Cash-out - Other Primary 3/XX/2005 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520196 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000713 XXX Refinance Cash-out - Other Primary 3/XX/2005 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520201 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000713 XXX Refinance Cash-out - Other Primary 3/XX/2005 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520204 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
95000713 XXX Refinance Cash-out - Other Primary 3/XX/2005 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520205 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000713 XXX Refinance Cash-out - Other Primary 3/XX/2005 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520209 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95000713 XXX Refinance Cash-out - Other Primary 3/XX/2005 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520210 Final TIL Not Provided to Borrower At or Before Consummation Truth in Lending Act: Final TIL was not provided to the borrower by closing.            
95000713 XXX Refinance Cash-out - Other Primary 3/XX/2005 PA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560160 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $127,793.53 is underdisclosed from calculated Finance Charge of $135835.57 in the amount of $8042.04. Approval instructions indicate the Index used was 2.08%. The lowest Index available within the look-back period is 2.39%.          
95003048 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6528850 Missing Document: Missing Final 1003             Provide missing documentation
95003048 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6530111 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95003048 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530112 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
95003048 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530113 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003048 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530114 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003048 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530115 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003048 XXX Refinance Cash-out - Other Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6530116 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $371,074.12 is underdisclosed from calculated Finance Charge of $380,103.16 in the amount of $9,029.04. Per approval the lender used an index of 2.61%; the closest index in the look-back period is 2.7%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000103 XXX Purchase Primary 5/XX/2001 TX $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6546079 Missing Document: Missing Final 1003             Provide missing documentation
95000103 XXX Purchase Primary 5/XX/2001 TX $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546365 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2001.           Provide missing documentation
95004883 XXX Refinance Cash-out - Other Primary 11/XX/2007 FL $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546482 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
95004623 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6647947 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004623 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648247 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004623 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648248 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007.           Provide missing documentation
95004623 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6648249 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004623 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6672716 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95004623 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6672717 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004623 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6672718 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003103 XXX Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6530009 Missing Document: Missing Final 1003             Provide missing documentation
95003103 XXX Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535229 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95003103 XXX Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535231 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003103 XXX Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535356 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003103 XXX Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535458 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $259,634.64 is underdisclosed from calculated Finance Charge of $275,118.25 in the amount of $15,483.61. Approvals indicate the Index used was 2.610%. The closest Index available in our look-back period is 2.78%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002215 XXX Refinance Cash-out - Other Investment 10/XX/2007 IL $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6530983 Illinois Late Charge Percent Testing Note late charge exceeds maximum per state. Late charge is 6% which exceeds the State of IL max of 5%          
95000479 XXX Purchase Primary 11/XX/2004 PA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6529038 Missing Document: Missing Final 1003             Provide missing documentation
95000479 XXX Purchase Primary 11/XX/2004 PA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538298 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000479 XXX Purchase Primary 11/XX/2004 PA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560140 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $218120.54 is underdisclosed from calculated Finance Charge of $221155.73 in the amount of $-3035.19. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period.          
95002499 XXX Refinance Rate/Term Primary 8/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6530876 Missing Document: Missing Final 1003             Provide missing documentation
95002499 XXX Refinance Rate/Term Primary 8/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531152 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
95002499 XXX Refinance Rate/Term Primary 8/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531154 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002499 XXX Refinance Rate/Term Primary 8/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531155 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002499 XXX Refinance Rate/Term Primary 8/XX/2004 TX $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531232 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $139,360.83 is underdisclosed from calculated Finance Charge of $140,639.49 in the amount of $1,278.66. Approval indicates the Index used was 1.11%. The closest Index available in our look-back period is 1.16%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6648221 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/26/2018 Compliance Federal Compliance Compliance Open   2 6652425 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/26/2018 Compliance State Compliance Compliance Open   2 6652426 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/26/2018 Compliance Federal Compliance Compliance Open   2 6652427 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/26/2018 Compliance Federal Compliance Compliance Open   2 6652428 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance State Compliance Compliance Open   2 6682991 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is XXX          
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6683296 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6683297 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6683298 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001776 XXX Refinance Cash-out - Other Primary 8/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6686786 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $376912.28 is underdisclosed from calculated Finance Charge of $404071.5 in the amount of $-27159.22. Approval indicates the index used was 3.79%. The lowest index available within the look-back period is 4.11%. Truth In Lending Act: Final TIL APR of 7.282% is underdisclosed from calculated APR of 7.608% in the amount of -0.326%. Approval indicates the index used was 3.79%. The lowest index available within the look-back period is 4.11%.          
95005184 XXX Refinance Rate/Term Primary 3/XX/2008 PA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531368 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2007.           Provide missing documentation
95005184 XXX Refinance Rate/Term Primary 3/XX/2008 PA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531369 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95005184 XXX Refinance Rate/Term Primary 3/XX/2008 PA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546308 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $389,430.55 is underdisclosed from calculated Finance Charge of $395,357.23 in the amount of $5,926.68. Approval indicates the Index used was 4.65%. The closest Index available in our look-back period is 4.74%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000036 XXX Refinance Rate/Term Primary 1/XX/2013 NV $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532994 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95000036 XXX Refinance Rate/Term Primary 1/XX/2013 NV $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533061 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
95000036 XXX Refinance Rate/Term Primary 1/XX/2013 NV $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533063 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
95000036 XXX Refinance Rate/Term Primary 1/XX/2013 NV $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533064 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
95000036 XXX Refinance Rate/Term Primary 1/XX/2013 NV $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6546366 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95004673 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6532760 (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)           The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation
95004673 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6532764 (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan.           The failure to use FNMA Documents does not present a clear remediation path.
95004673 XXX Refinance Cash-out - Other Primary 10/XX/2007 TX $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   3 6533098 (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.           Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.
95000273 XXX Refinance Cash-out - Other Primary 4/XX/2004 PA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6517864 Missing Document: Missing Final 1003             Provide missing documentation
95001922 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6655674 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
95001922 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6655679 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001922 XXX Refinance Cash-out - Other Primary 11/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6689167 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $512685.26 is underdisclosed from calculated Finance Charge of $523525.95 in the amount of $-10840.69. Approval indicates the index used was 4.89%. The lowest index available within the look-back period is 4.99667%.          
95002253 XXX Refinance Cash-out - Other Primary 10/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648614 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $902,198.37 is underdisclosed from calculated Finance Charge of $906,958.00 in the amount of $4,759.63. Loan commitment indicates the Index used was 4.88%. The closest Index available in our look-back period is 4.90%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002253 XXX Refinance Cash-out - Other Primary 10/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648696 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95002253 XXX Refinance Cash-out - Other Primary 10/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648697 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95002253 XXX Refinance Cash-out - Other Primary 10/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6673111 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95001712 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649603 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 11 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95001712 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649605 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001712 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649606 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $495,568.21 is underdisclosed from calculated Finance Charge of $532,070.45 in the amount of $36,502.24. The approval indicated the index used was 3.66%, the closest index in our look back is 3.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001712 XXX Refinance Cash-out - Other Primary 6/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6672710 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.08400% is underdisclosed from calculated APR of 7.35873% outside of 0.125% tolerance. The approval indicated the index used was 3.66%, the closest index in our look back is 3.94%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000266 XXX Purchase Primary 6/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6546286 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000266 XXX Purchase Primary 6/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546580 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $225,567.04 is underdisclosed from calculated Finance Charge of $225,677.14 in the amount of $110.10. The itemization of amount financed indicates that there are $1,680.95 in prepaid finance charges. The system has calculated $1,899.08 in prepaid finance charges causing an under disclosure of $218.13.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001620 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6530143 Missing Document: Missing Final 1003             Provide missing documentation
95001620 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531771 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95001620 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531772 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001620 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531773 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001620 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531774 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $675,867.23 is underdisclosed from calculated Finance Charge of $694,361.65 in the amount of $18,494.42. Closing instructions indicate the Index used was 3.46%. The lowest Index available within the look-back period is 3.66%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001620 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6546554 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001824 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6656113 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95001824 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6656115 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001824 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6656117 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $543,121.17 is underdisclosed from calculated Finance Charge of $556,602.82 in the amount of $13,481.65. Closing instructions indicate the Index used was 4.11%. The closest Index available in our look-back period is 4.34%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001824 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6656118 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001824 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6656119 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003284 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6530747 Missing Document: Missing Final 1003             Provide missing documentation
95003284 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532018 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95003284 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532025 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003284 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532165 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003284 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546662 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $405,932.22 is underdisclosed from calculated Finance Charge of $425,330.62 in the amount of $19,398.40. Approval indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003284 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6549929 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001648 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 UT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531848 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $464,608.66 is underdisclosed from calculated Finance Charge of $472,814.80 in the amount of $8,206.14. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001648 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2006 UT $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6546388 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002707 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6531571 Missing Document: Missing Final 1003             Provide missing documentation
95002707 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532078 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2004.           Provide missing documentation
95002707 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532080 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002707 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532081 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $358,079.71 is underdisclosed from calculated Finance Charge of $358,516.76 in the amount of $437.05. Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002707 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6532087 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003776 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540990 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003776 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548679 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95003776 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548680 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003776 XXX Refinance Cash-out - Other Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548681 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $386,448.32 is underdisclosed from calculated Finance Charge of $406,312.61 in the amount of $19,864.29. Approvals indicate the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001427 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6530700 Missing Document: Missing Final 1003             Provide missing documentation
95001427 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534629 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $558,432.07 is underdisclosed from calculated Finance Charge of $573,336.02 in the amount of $14,903.95. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001427 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6534727 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001427 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546858 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001427 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546859 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95001427 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546860 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001427 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546861 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001427 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6546862 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002152 XXX Refinance Cash-out - Other Investment 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532725 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002152 XXX Refinance Cash-out - Other Investment 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532726 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95000432 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6530473 Missing Document: Missing Final 1003             Provide missing documentation
95000432 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6532169 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000432 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532293 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2004.           Provide missing documentation
95000432 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532294 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000432 XXX Refinance Rate/Term Primary 8/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532295 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003785 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532572 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95003785 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532576 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $636,918.83 is underdisclosed from calculated Finance Charge of $653,672.61 in the amount of $16,753.78. Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.56%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003785 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532654 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003785 XXX Refinance Cash-out - Debt Consolidation Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6551449 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004405 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6532510 Missing Document: Missing Final 1003             Provide missing documentation
95004405 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6532848 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95004405 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532849 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95004405 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532850 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004405 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532854 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004405 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548234 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $598,732.78 is underdisclosed from calculated Finance Charge of $606,547.77 in the amount of $7,814.99. Loan Approval indicates the index used was 4.997%. The closest index available in our look-back period is 5.15333%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003596 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Loan Package Documentation Application / Processing Credit Open   2 6658653 Missing Document: Missing Final 1003             Provide missing documentation
95003596 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Loan Package Documentation Closing / Title Credit Open   2 6659062 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003596 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6659294 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003596 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/28/2018 Compliance Federal Compliance Compliance Open   2 6659295 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003596 XXX Refinance Cash-out - Other Primary 2/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6685018 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $601634.72 is underdisclosed from calculated Finance Charge of $633438.32 in the amount of $-31803.6. Approval indicates the index used was 3.25%. The lowest index available within the look-back period is 3.46%. Truth In Lending Act: Final TIL APR of 6.708% is underdisclosed from calculated APR of 6.945% in the amount of -0.237%. Approval indicates the index used was 3.25%. The lowest index available within the look-back period is 3.46%.          
95002495 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519475 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95002495 XXX Refinance Cash-out - Other Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6538261 Missing Valuation:   Appraisal not provided         Provide missing documentation
95004162 XXX Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6532680 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004162 XXX Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535199 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2006.           Provide missing documentation
95004162 XXX Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535200 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004162 XXX Refinance Cash-out - Other Primary 10/XX/2006 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535201 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $899,880.32 is underdisclosed from calculated Finance Charge of $927,880.97 in the amount of $28,000.65. Final Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 4.89337%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003644 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6532162 Missing Document: Missing Final 1003             Provide missing documentation
95003644 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6532218 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003644 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532482 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95003644 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532486 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $534,864.73 is underdisclosed from calculated Finance Charge of $565,926.38 in the amount of $31,061.65. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003644 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532487 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004774 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532787 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004774 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6532788 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $696,244.65 is underdisclosed from calculated Finance Charge of $704,434.97 in the amount of $8,190.32. Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004774 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6547833 Missing Document: Missing Final 1003             Provide missing documentation
95004774 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548105 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95004482 XXX Refinance Cash-out - Other Primary 2/XX/2007 AZ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534426 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004482 XXX Refinance Cash-out - Other Primary 2/XX/2007 AZ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534427 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
95004482 XXX Refinance Cash-out - Other Primary 2/XX/2007 AZ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534428 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004482 XXX Refinance Cash-out - Other Primary 2/XX/2007 AZ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534429 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004482 XXX Refinance Cash-out - Other Primary 2/XX/2007 AZ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534430 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004482 XXX Refinance Cash-out - Other Primary 2/XX/2007 AZ $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6547869 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,403,770.16 is underdisclosed from calculated Finance Charge of $1,407,564.18 in the amount of $3,794.02. Approval indicates the Index used was 5.153%. The closest Index available in our look-back period is 5.21667%;         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004482 XXX Refinance Cash-out - Other Primary 2/XX/2007 AZ $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6551450 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000280 XXX Refinance Rate/Term Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6532903 Missing Document: Missing Final 1003             Provide missing documentation
95000280 XXX Refinance Rate/Term Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534145 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
95000280 XXX Refinance Rate/Term Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534150 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 4.87500% is underdisclosed from calculated APR of 5.59722% outside of 0.125% tolerance. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000280 XXX Refinance Rate/Term Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534151 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $395,324.22 is underdisclosed from calculated Finance Charge of $488,407.27 in the amount of $93,083.05. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000280 XXX Refinance Rate/Term Primary 5/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548540 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004975 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6538753 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004975 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539653 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95004975 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539654 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004975 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6548305 Missing Document: Missing Final 1003             Provide missing documentation
95004975 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   3 6548567 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95004975 XXX Refinance Rate/Term Primary 12/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548568 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95005146 XXX Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533250 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95005146 XXX Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533251 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2007.           Provide missing documentation
95005146 XXX Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533252 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95005146 XXX Refinance Cash-out - Other Primary 2/XX/2008 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533253 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002880 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533356 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002880 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533357 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
95002880 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533358 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002880 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Property - Appraisal General Appraisal Requirements Compliance Open   2 6548496 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
95002880 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6548509 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95002880 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548515 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002880 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548516 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002880 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548517 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $685,251.36 is underdisclosed from calculated Finance Charge of $721,430.90 in the amount of $36,179.54. Approval indicate the Index used was 2.52%. The closest Index available in our look-back period is 2.700%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000215 XXX Purchase Primary 4/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6531217 Missing Document: Missing Final 1003             Provide missing documentation
95000215 XXX Purchase Primary 4/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Miscellaneous Compliance Compliance Open   2 6533335 (Doc Error) Initial GFE not provided              
95000215 XXX Purchase Primary 4/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548374 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2004.           Provide missing documentation
95000215 XXX Purchase Primary 4/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548375 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000215 XXX Purchase Primary 4/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548376 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000215 XXX Purchase Primary 4/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548377 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001475 XXX Refinance Rate/Term Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6532043 Missing Document: Missing Final 1003             Provide missing documentation
95001475 XXX Refinance Rate/Term Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534769 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001475 XXX Refinance Rate/Term Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534773 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.           Provide missing documentation
95001475 XXX Refinance Rate/Term Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534776 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001475 XXX Refinance Rate/Term Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534778 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001475 XXX Refinance Rate/Term Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534779 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001475 XXX Refinance Rate/Term Primary 1/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534781 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $770,739.15 is underdisclosed from calculated Finance Charge of $838,853.01 in the amount of $68,113.86. Under disclosure due to Pick-A-Payment Neg Am Note where approval shows Index used is 3.14% while lowest Index in look-back period is 3.46%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001475 XXX Refinance Rate/Term Primary 1/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548634 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.58500% is underdisclosed from calculated APR of 6.89619% outside of 0.125% tolerance. Under disclosure due to Pick-A-Payment Neg Am Note where approval shows Index used is 3.14% while lowest Index in look-back period is 3.46%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004521 XXX Refinance Cash-out - Other Primary 3/XX/2007 NV $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6531660 Missing Document: Missing Final 1003             Provide missing documentation
95004521 XXX Refinance Cash-out - Other Primary 3/XX/2007 NV $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536706 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
95004521 XXX Refinance Cash-out - Other Primary 3/XX/2007 NV $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536707 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004521 XXX Refinance Cash-out - Other Primary 3/XX/2007 NV $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536708 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $289,827.57 is underdisclosed from calculated Finance Charge of $291,288.96 in the amount of $1,461.39. Approval indicates the lender Index used was 5.217%. The closest Index available in our look-back period is 5.26583%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004521 XXX Refinance Cash-out - Other Primary 3/XX/2007 NV $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6536881 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004132 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537123 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
95004132 XXX Refinance Cash-out - Debt Consolidation Primary 10/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537127 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $254,192.24 is underdisclosed from calculated Finance Charge of $261,872.72 in the amount of $7,680.48. Commitment and Approval indicates the Index used was 4.774%. The lowest Index available within the look-back period is 4.89667%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004993 XXX Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534823 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004993 XXX Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534824 Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004993 XXX Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548541 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2007.           Provide missing documentation
95004993 XXX Refinance Cash-out - Other Primary 11/XX/2007 IL $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548542 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001660 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519218 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95001660 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6519219 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001660 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519222 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001660 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536157 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001660 XXX Refinance Cash-out - Other Primary 5/XX/2006 MA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560423 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $309,517.84 is underdisclosed from calculated Finance Charge of $325,654.45 in the amount of $16,136.61. Closing instructions indicate the Index used was 3.56%. The closest Index available in our look-back period is 3.79%.          
95001913 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Credit Open   2 6520464 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001913 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520506 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95001913 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560017 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $371654.5 is underdisclosed from calculated Finance Charge of $391880.48 in the amount of $-20225.98. Approval indicates the index used was 4.34%. The lowest index available within the look-back period is 4.6%. Truth In Lending Act: Final TIL APR of 7.901% is underdisclosed from calculated APR of 8.148% in the amount of -0.247%. Approval indicates the index used was 4.34%. The lowest index available within the look-back period is 4.6%.          
95001336 XXX Refinance Rate/Term Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533784 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95001336 XXX Refinance Rate/Term Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533785 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001336 XXX Refinance Rate/Term Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533787 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001336 XXX Refinance Rate/Term Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548259 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $347,094.02 is underdisclosed from calculated Finance Charge of $353,347.73 in the amount of $6,253.71. Lender Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.14%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001336 XXX Refinance Rate/Term Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548436 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004510 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 05/17/2018 Compliance State Compliance Compliance Open   2 6530163 New York Late Charge Percent Testing Note late charge exceeds maximum per state. 5% late charge exceeds 2% maximum per state of NY          
95004510 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536556 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
95004510 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536557 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004510 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536558 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004510 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2007 NY $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559979 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $486808.84 is underdisclosed from calculated Finance Charge of $488325.81 in the amount of $-1516.97. Approval indicates the index used was 5.153%. The lowest index available within the look-back period is 5.21667%.          
95002589 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6534782 Missing Document: Missing Final 1003             Provide missing documentation
95002589 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535889 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95002589 XXX Refinance Cash-out - Other Primary 5/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548321 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $200,279.24 is underdisclosed from calculated Finance Charge of $200,885.45 in the amount of $606.21. Unable to determine under disclosure due to itemization of amount financed not itemizing the fees. Itemization discloses prepaid finance charge of $2,513.50 which is under disclosed by $605 from the calculated finance charges of $3,118.50         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001735 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648929 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005.           Provide missing documentation
95001735 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648931 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001735 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648933 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.19800% is underdisclosed from calculated APR of 7.46947% outside of 0.125% tolerance. Closing instructions indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.94%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001735 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648934 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $406,897.75 is underdisclosed from calculated Finance Charge of $436,612.19 in the amount of $29,714.44. Closing instructions indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.94%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003662 XXX Purchase Primary 3/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6532732 Missing Document: Missing Final 1003             Provide missing documentation
95003662 XXX Purchase Primary 3/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6535080 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003662 XXX Purchase Primary 3/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535670 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003662 XXX Purchase Primary 3/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535671 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95003662 XXX Purchase Primary 3/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535672 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003662 XXX Purchase Primary 3/XX/2006 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535674 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $417,025.15 is underdisclosed from calculated Finance Charge of $439,263.68 in the amount of $22,238.53. The approval indicates the Index used was 3.36%. The closest Index available within the look back period is 3.56%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002043 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548294 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2006.           Provide missing documentation
95002043 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548295 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002043 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548296 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002043 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548297 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002043 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548298 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $392,113.37 is underdisclosed from calculated Finance Charge of $393,881.04 in the amount of $1,767.67. Approval indicates the lender Index used was 5.217%. The closest Index available in our look-back period is 5.26583%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000584 XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6519146 Missing Document: Missing Final 1003             Provide missing documentation
95000584 XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519974 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000584 XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519975 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2004.           Provide missing documentation
95000584 XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519976 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000584 XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519978 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000584 XXX Refinance Cash-out - Other Primary 2/XX/2005 MD $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6519979 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001523 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6648168 Missing Document: Missing Final 1003             Provide missing documentation
95001523 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649031 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001523 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6689289 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $299221.89 is underdisclosed from calculated Finance Charge of $312692.23 in the amount of $-13470.34. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.46%. Truth In Lending Act: Final TIL APR of 6.966% is underdisclosed from calculated APR of 7.193% in the amount of -0.227%. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.46%.          
95004517 XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6543376 Missing Document: Missing Final 1003             Provide missing documentation
95004517 XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543640 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.           Provide missing documentation
95004517 XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543642 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004517 XXX Refinance Cash-out - Other Primary 5/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543643 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $629,044.47 is underdisclosed from calculated Finance Charge of $637,455.36 in the amount of $8,410.89. The Loan Approval indicates the Index used was 5.217%. The closest Index available in our look-back period is 5.32417%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003387 XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536096 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003387 XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536097 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95003387 XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536100 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003387 XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536101 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003387 XXX Refinance Cash-out - Other Primary 12/XX/2005 NJ $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536102 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $399,718.34 is underdisclosed from calculated Finance Charge of $429,202.99 in the amount of $29,484.65. Closing instructions indicate the Index used was 2.97%. The closest Index available in our look-back period is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004068 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648965 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95004068 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648967 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004068 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648968 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004068 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648969 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004068 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6673654 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.44900% is underdisclosed from calculated APR of 7.83958% outside of 0.125% tolerance. Approval indicates index used as 3.94%; lowest available in our look -back is 4.34%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004068 XXX Refinance Rate/Term Primary 9/XX/2006 NJ $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6673655 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $571,361.85 is underdisclosed from calculated Finance Charge of $613,868.11 in the amount of $42,506.26. Approval indicates index used as 3.94%; lowest available in our look -back is 4.34%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001582 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   3 6533050 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95001582 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6533075 Missing Document: Missing Final 1003             Provide missing documentation
95001582 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535136 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001582 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535141 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $402,268.52 is underdisclosed from calculated Finance Charge of $413,012.85 in the amount of $10,744.33. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001582 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548716 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95001582 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548717 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001582 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548718 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001582 XXX Refinance Rate/Term Primary 4/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548720 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003139 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6532592 Missing Document: Missing Final 1003             Provide missing documentation
95003139 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6534497 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003139 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534787 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.80000% is underdisclosed from calculated APR of 6.08566% outside of 0.125% tolerance. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003139 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534788 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $391,867.05 is underdisclosed from calculated Finance Charge of $423,454.06 in the amount of $31,587.01. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004267 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534350 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95004267 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534351 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004267 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6548362 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004267 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548637 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $637,244.72 is underdisclosed from calculated Finance Charge of $637,500.37 in the amount of $255.65. Unable to determine under disclosure due to missing detailed Itemization of Amount Financed.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002515 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6533136 Missing Document: Missing Final 1003             Provide missing documentation
95002515 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534963 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2003.           Provide missing documentation
95002515 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534964 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002972 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6532962 Missing Document: Missing Final 1003             Provide missing documentation
95002972 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6533284 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002972 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533372 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002972 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533373 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
95002972 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533374 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002972 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6533377 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $331,535.05 is underdisclosed from calculated Finance Charge of $344,138.29 in the amount of $12,603.24. Approval indicates the lender Index used was 1.563%. The closest Index available in our look-back period is 1.6925%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002250 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543051 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002250 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543052 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing.           Provide missing documentation
95002250 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543054 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95002250 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543055 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002250 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543056 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95002250 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543057 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95002250 XXX Refinance Cash-out - Other Primary 10/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   3 6548601 Missing Valuation:   Appraisal not provided.         Provide missing documentation
95001540 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536184 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2006.           Provide missing documentation
95001540 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536185 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001540 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536186 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001540 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536187 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001540 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548655 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $570,417.50 is underdisclosed from calculated Finance Charge of $585,233.99 in the amount of $14,816.49. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004612 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6648270 Missing Document: Missing Final 1003             Provide missing documentation
95004612 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649401 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004612 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6649403 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004612 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649404 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004612 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6673543 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
95004612 XXX Refinance Rate/Term Primary 6/XX/2007 MA $XXX Loan Review Complete 05/30/2018 Loan Package Documentation Application / Processing Credit Open   3 6676871 Missing Valuation:   Appraisal not provided         Provide missing documentation
95003439 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6533759 Missing Document: Missing Final 1003             Provide missing documentation
95003439 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6534962 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003439 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535131 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95003439 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535132 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $420,730.91 is underdisclosed from calculated Finance Charge of $440,949.48 in the amount of $20,218.57. Final Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003439 XXX Refinance Cash-out - Debt Consolidation Primary 12/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548691 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95004209 XXX Refinance Streamlined Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6534035 Missing Document: Missing Final 1003             Provide missing documentation
95004209 XXX Refinance Streamlined Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534876 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004209 XXX Refinance Streamlined Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6534877 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $726,644.29 is underdisclosed from calculated Finance Charge of $751,893.06 in the amount of $25,248.77. Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 4.99667%;         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004209 XXX Refinance Streamlined Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance State Compliance Compliance Open   2 6548724 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP expired. Prepay charge not allowed per state (CA) - max prepayment charge for CA is assessed on amount prepaid in excess of 20%. Late charge on the Note is assessed on prepayment in excess of $5,000.          
95004209 XXX Refinance Streamlined Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   3 6549077 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95004209 XXX Refinance Streamlined Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549078 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2006.           Provide missing documentation
95004209 XXX Refinance Streamlined Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549080 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004209 XXX Refinance Streamlined Primary 11/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549082 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002970 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6535135 Missing Document: Missing Final 1003             Provide missing documentation
95002970 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548795 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
95002970 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548796 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002970 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548798 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.27200% is underdisclosed from calculated APR of 5.57894% outside of 0.125% tolerance. Loan approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.39%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002970 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6548799 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $308,842.22 is underdisclosed from calculated Finance Charge of $336,711.35 in the amount of $27,869.13. Loan approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.39%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002151 XXX Purchase Primary 9/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536290 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2007.           Provide missing documentation
95002151 XXX Purchase Primary 9/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549255 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95002151 XXX Purchase Primary 9/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549256 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $694,224.20 is underdisclosed from calculated Finance Charge of $711,529.36 in the amount of $17,305.16. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001108 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531317 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005.           Provide missing documentation
95001108 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531319 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001108 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531326 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001108 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531834 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
95001108 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531836 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001108 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6531837 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001108 XXX Refinance Cash-out - Debt Consolidation Primary 9/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559912 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $423057.53 is underdisclosed from calculated Finance Charge of $433818.07 in the amount of $-10760.54. Approval indicates the index used was 2.78%. The lowest index available within the look-back period is 2.89%.          
95003281 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536141 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95003281 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536144 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $562,782.91 is underdisclosed from calculated Finance Charge of $589,742.91 in the amount of $26,960.00. Approval indicates the lender Index used was 2.89%. The closest Index available in our look-back period is 3.06%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003281 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536145 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003281 XXX Refinance Rate/Term Primary 10/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6548604 Missing Document: Missing Final 1003             Provide missing documentation
95001777 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6537372 Missing Document: Missing Final 1003             Provide missing documentation
95001777 XXX Refinance Cash-out - Other Primary 7/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537584 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
95003149 XXX Purchase Primary 1/XX/2006 VA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6520341 Missing Document: Missing Final 1003             Provide missing documentation
95003149 XXX Purchase Primary 1/XX/2006 VA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559883 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $559168.31 is underdisclosed from calculated Finance Charge of $634886.63 in the amount of $-75718.32. Approval indicates the index used was 2.7%. The lowest index available within the look-back period is 3.24%. Truth In Lending Act: Final TIL APR of 6.275% is underdisclosed from calculated APR of 6.785% in the amount of -0.51%. Approval indicates the index used was 2.7%. The lowest index available within the look-back period is 3.24%.          
95004045 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536124 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95004045 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536125 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004045 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536126 ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.           No Defined Cure
95004045 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536127 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004045 XXX Refinance Rate/Term Primary 10/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6549164 Missing Document: Missing Final 1003             Provide missing documentation
95004442 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6534638 Missing Document: Missing Final 1003             Provide missing documentation
95004442 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536460 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $713,986.35 is underdisclosed from calculated Finance Charge of $728,049.80 in the amount of $14,063.45. The approval indicates the Index used was 4.65%. The closest Index available within the look back period is 4.73%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004442 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549014 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2006.           Provide missing documentation
95004442 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549015 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004442 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549016 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004650 XXX Refinance Cash-out - Other Investment 8/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6649092 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003787 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6648741 Missing Document: Missing Final 1003             Provide missing documentation
95003787 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6648948 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003787 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648950 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $557,821.76 is underdisclosed from calculated Finance Charge of $608,031.52 in the amount of $50,209.76. Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.79%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003787 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648951 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003787 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6648953 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003787 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6678395 Disbursement Date Missing Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing.           Provide missing documentation
95003787 XXX Refinance Rate/Term Primary 5/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6678396 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.33200% is underdisclosed from calculated APR of 6.62608% outside of 0.125% tolerance. Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.79%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001443 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Loan Package Documentation Application / Processing Credit Open   3 6676872 Missing Valuation:   Appraisal not provided         Provide missing documentation
95001443 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance State Compliance Compliance Open   2 6684108 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (NJ) NJ does not allow a prepayment charge - note states 2%. Lender is XXX          
95001443 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Loan Package Documentation Application / Processing Credit Open   2 6684208 Missing Document: Missing Final 1003             Provide missing documentation
95001443 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6684296 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2005.           Provide missing documentation
95001443 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6684297 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001443 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance Federal Compliance Compliance Open   2 6684298 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001443 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 NJ $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6685316 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $266408.45 is underdisclosed from calculated Finance Charge of $287068.4 in the amount of $-20659.95. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.56%. Truth In Lending Act: Final TIL APR of 6.04% is underdisclosed from calculated APR of 6.461% in the amount of -0.421%. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.56%.          
95000430 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6535133 Missing Document: Missing Final 1003             Provide missing documentation
95000430 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536315 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000430 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536316 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000430 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536317 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000430 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536320 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $334,114.63 is underdisclosed from calculated Finance Charge of $339,595.71 in the amount of $5,481.08. Under-disclosure appears to be due to ARM index. Lowest index within look back period is 1.27667%, approval states index is 1.212%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000430 XXX Purchase Primary 10/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549205 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004391 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537035 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2006.           Provide missing documentation
95004391 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537036 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004391 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537037 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004391 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537038 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004391 XXX Refinance Rate/Term Primary 12/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537039 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $987,246.78 is underdisclosed from calculated Finance Charge of $1,005,710.20 in the amount of $18,463.42. It appears the underdisclosure is due to the index, per the approval the lender used 4.997%, lowest index in look back is 5.080%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002545 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6535154 Missing Document: Missing Final 1003             Provide missing documentation
95002545 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536563 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002545 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536564 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002545 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536565 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002545 XXX Refinance Cash-out - Home Improvement Primary 3/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549129 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
95000481 XXX Refinance Cash-out - Home Improvement Primary 9/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537877 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004.           Provide missing documentation
95000481 XXX Refinance Cash-out - Home Improvement Primary 9/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537878 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000481 XXX Refinance Cash-out - Home Improvement Primary 9/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537879 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000481 XXX Refinance Cash-out - Home Improvement Primary 9/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537880 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000481 XXX Refinance Cash-out - Home Improvement Primary 9/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537882 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $438,858.18 is underdisclosed from calculated Finance Charge of $445,049.23 in the amount of $6,191.05. Approval indicates the index used at origination was 1.162%, however the lowest index available within the look-back period was 1.21167%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004646 XXX Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Miscellaneous Compliance Compliance Open   2 6537662 (Doc Error) Initial GFE not provided              
95004646 XXX Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537788 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
95004646 XXX Refinance Cash-out - Other Primary 7/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537790 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95000805 XXX Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6536035 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000805 XXX Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536152 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
95000805 XXX Refinance Cash-out - Other Primary 5/XX/2005 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549180 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $152,031.98 is underdisclosed from calculated Finance Charge of $157,063.51 in the amount of $5,031.53. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95005030 XXX Refinance Cash-out - Other Primary 12/XX/2007 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537217 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
95002996 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6534924 Missing Document: Missing Final 1003             Provide missing documentation
95002996 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6536171 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95002996 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536352 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95002996 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536353 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002996 XXX Refinance Cash-out - Other Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536357 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $305,140.32 is underdisclosed from calculated Finance Charge of $322,724.75 in the amount of $17,584.43. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004642 XXX Refinance Cash-out - Other Primary 8/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6650251 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004642 XXX Refinance Cash-out - Other Primary 8/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6674002 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2007.           Provide missing documentation
95004642 XXX Refinance Cash-out - Other Primary 8/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6674003 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004642 XXX Refinance Cash-out - Other Primary 8/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6674004 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003888 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6648691 Missing Document: Missing Final 1003             Provide missing documentation
95003888 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6649607 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003888 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6649659 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95003888 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6649661 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95003888 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6686709 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $252950 is underdisclosed from calculated Finance Charge of $260469.65 in the amount of $-7519.65. Approval indicates the index used was 3.66%. The lowest index available within the look-back period is 3.79%. Truth In Lending Act: Final TIL APR of 6.572% is underdisclosed from calculated APR of 6.703% in the amount of -0.131%. Approval indicates the index used was 3.66%. The lowest index available within the look-back period is 3.79%.          
95001019 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6535823 Missing Document: Missing Final 1003             Provide missing documentation
95001019 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6537248 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001019 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537416 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $377,615.23 is underdisclosed from calculated Finance Charge of $397,449.48 in the amount of $19,834.25. Closing instructions indicate the Index used was 2.52%. The lowest Index available within the look-back period is 2.7%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001019 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549296 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95001019 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549298 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001019 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549301 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001019 XXX Refinance Cash-out - Debt Consolidation Primary 6/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549304 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001717 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Closing / Title Compliance Open   2 6520943 (Doc Error) TIL Error: Borrower signature not dated.              
95001717 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521029 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001717 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521031 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2006.           Provide missing documentation
95001717 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6521032 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001717 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521036 Right of Rescission Timing - Receipt Date Missing Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.           Provide missing documentation
95001717 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6544868 (Missing Data) Unable to determine if loan is a same lender refi Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.           Provide missing documentation
95001717 XXX Refinance Cash-out - Other Primary 6/XX/2006 MA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6560210 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $283,052.07 is underdisclosed from calculated Finance Charge of $301,084.85 in the amount of $18,032.78. Truth In Lending Act: Final TIL APR of 7.151% is underdisclosed from calculated APR of 7.455% in the amount of 0.3037%. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period.          
95002003 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536969 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $507,446.81 is underdisclosed from calculated Finance Charge of $511,965.05 in the amount of $4,518.24. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002003 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549530 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
95002003 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549531 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002003 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 FL $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549532 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003080 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6536745 Missing Document: Missing Final 1003             Provide missing documentation
95003080 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540048 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003080 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540053 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $343,394.66 is underdisclosed from calculated Finance Charge of $353,464.81 in the amount of $10,070.15. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003080 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549270 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2005.           Provide missing documentation
95003080 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549271 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003080 XXX Refinance Cash-out - Other Primary 7/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549272 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001406 XXX Refinance Cash-out - Other Primary 12/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6535591 Missing Document: Missing Final 1003             Provide missing documentation
95001406 XXX Refinance Cash-out - Other Primary 12/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6535850 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001406 XXX Refinance Cash-out - Other Primary 12/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535979 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95001406 XXX Refinance Cash-out - Other Primary 12/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535982 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001406 XXX Refinance Cash-out - Other Primary 12/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6535984 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001406 XXX Refinance Cash-out - Other Primary 12/XX/2005 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6557140 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $416,931.07 is underdisclosed from calculated Finance Charge of $437,054.17 in the amount of $20,123.10. The loan approval indicates the lender used an index value of 3.06%, the lowest index available in the lookback period is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002340 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541496 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2008.           Provide missing documentation
95002340 XXX Refinance Cash-out - Debt Consolidation Primary 3/XX/2008 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Closing / Title Credit Open   2 6549049 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001789 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536212 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001789 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536214 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001789 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536215 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 7.53500% is underdisclosed from calculated APR of 7.92165% outside of 0.125% tolerance. Approval indicates the Index used was 3.94%. The closest Index available in our look-back period is 4.34%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001789 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 WA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536216 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $399,741.83 is underdisclosed from calculated Finance Charge of $433,152.97 in the amount of $33,411.14. Approval indicates the Index used was 3.94%. The closest Index available in our look-back period is 4.34%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001789 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 WA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   3 6550113 Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95001789 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 WA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550114 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95001789 XXX Refinance Cash-out - Debt Consolidation Primary 8/XX/2006 WA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550115 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95004570 XXX Refinance Rate/Term Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Closing / Title Credit Open   2 6649943 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95004570 XXX Refinance Rate/Term Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650022 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004570 XXX Refinance Rate/Term Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650023 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95004570 XXX Refinance Rate/Term Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650024 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004570 XXX Refinance Rate/Term Primary 4/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650025 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95004570 XXX Refinance Rate/Term Primary 4/XX/2007 MA $XXX Loan Review Complete 05/29/2018 Compliance Federal Compliance Compliance Open   2 6673898 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $548,832.71 is underdisclosed from calculated Finance Charge of $553,861.46 in the amount of $5,028.75. Closing instructions indicate the Index used was 5.266%. The lowest Index available within the look-back period is 5.3008%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000766 XXX Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6536917 Missing Document: Missing Final 1003             Provide missing documentation
95000766 XXX Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537375 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2005.           Provide missing documentation
95000766 XXX Refinance Cash-out - Other Primary 7/XX/2005 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549557 ARM Disclosure Compliant TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.           No Defined Cure
95004097 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Loan Package Documentation Application / Processing Credit Open   2 6650593 Missing Document: Missing Final 1003             Provide missing documentation
95004097 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650932 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2006.           Provide missing documentation
95004097 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6650933 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004097 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance State Compliance Compliance Open   2 6682761 (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements   PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is XXX          
95004097 XXX Refinance Cash-out - Other Primary 9/XX/2006 MA $XXX Loan Review Complete 05/30/2018 Compliance Miscellaneous Compliance Compliance Open   2 6685616 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $494053.22 is underdisclosed from calculated Finance Charge of $535453.44 in the amount of $-41400.22. Approval indicates the index used was 4.11%. The lowest index available within the look-back period is 4.49%. Truth In Lending Act: Final TIL APR of 7.601% is underdisclosed from calculated APR of 7.982% in the amount of -0.381%. Approval indicates the index used was 4.11%. The lowest index available within the look-back period is 4.49%.          
95005164 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550441 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95005164 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550442 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95005164 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550443 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95005164 XXX Refinance Rate/Term Primary 3/XX/2008 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550444 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $643,121.50 is underdisclosed from calculated Finance Charge of $650,279.49 in the amount of $7,157.99. The Lender's approval reflects a qualifying index rate of 4.470% which matches the audit value, however it appears the final TIL was disclosed at a lower index rate as the recasted payment is less than the fully index rate disclosed on the approval would calculate to be.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004323 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6536277 Missing Document: Missing Final 1003             Provide missing documentation
95004323 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540721 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.           Provide missing documentation
95004323 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540722 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95004323 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540723 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95004323 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540920 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $585,546.62 is underdisclosed from calculated Finance Charge of $591,005.24 in the amount of $5,458.62. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002103 XXX Refinance Cash-out - Other Investment 8/XX/2007 UT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539868 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002103 XXX Refinance Cash-out - Other Investment 8/XX/2007 UT $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549607 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 07/XX/2007.           Provide missing documentation
95000951 XXX Purchase Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6535854 Missing Document: Missing Final 1003             Provide missing documentation
95000951 XXX Purchase Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537465 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.           Provide missing documentation
95000951 XXX Purchase Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537466 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000951 XXX Purchase Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537467 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $357,040.79 is underdisclosed from calculated Finance Charge of $357,180.14 in the amount of $139.35. TIL itemization disclosed prepaid finance charges of $7,045.84. The calculated prepaid finance charge is $7,183.04. The TIL itemization only provides a lump sum prepaid finance charge.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003927 XXX Refinance Rate/Term Primary 7/XX/2006 MD $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543104 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95003927 XXX Refinance Rate/Term Primary 7/XX/2006 MD $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543105 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003927 XXX Refinance Rate/Term Primary 7/XX/2006 MD $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6543107 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $913,158.25 is underdisclosed from calculated Finance Charge of $944,905.09 in the amount of $31,746.84. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001000 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6536864 Missing Document: Missing Final 1003             Provide missing documentation
95001000 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6539184 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95001000 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539976 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95001000 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539978 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001000 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539982 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 5.95800% is underdisclosed from calculated APR of 6.30911% outside of 0.125% tolerance. Approval indicates the lender Index used was 2.19%. The closest Index available in our look-back period is 2.7%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001000 XXX Refinance Cash-out - Home Improvement Primary 6/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539983 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $459,478.20 is underdisclosed from calculated Finance Charge of $490,158.89 in the amount of $30,680.69. Approval indicates the lender Index used was 2.19%. The closest Index available in our look-back period is 2.7%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001658 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6536643 Missing Document: Missing Final 1003             Provide missing documentation
95001658 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538226 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2005.           Provide missing documentation
95001658 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538227 RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.           Provide missing documentation
95001658 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538228 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001658 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538230 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001658 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538231 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001658 XXX Refinance Cash-out - Other Primary 5/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538232 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $588,940.25 is underdisclosed from calculated Finance Charge of $604,595.37 in the amount of $15,655.12. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000747 XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540514 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2005.           Provide missing documentation
95000747 XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Loan Package Documentation Application / Processing Credit Open   2 6552855 Missing Document: Missing Final 1003             Provide missing documentation
95000747 XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6553188 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000747 XXX Refinance Cash-out - Other Primary 3/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6557848 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $406,296.24 is underdisclosed from calculated Finance Charge of $410,984.15 in the amount of $4,687.91. The loan approval indicates the lender used an index value of 1.693%, the lowest index available in the lookback period is 1.8358%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000047 XXX Refinance Rate/Term Primary 4/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Property - Appraisal General Appraisal Requirements Compliance Open   2 6537738 Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.              
95000047 XXX Refinance Rate/Term Primary 4/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537889 FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.           Provide missing documentation
95000047 XXX Refinance Rate/Term Primary 4/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537892 RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.            
95000047 XXX Refinance Rate/Term Primary 4/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537893 RESPA (2010) - Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note.            
95000047 XXX Refinance Rate/Term Primary 4/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537894 RESPA (2010) - Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan.            
95000047 XXX Refinance Rate/Term Primary 4/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537895 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95000047 XXX Refinance Rate/Term Primary 4/XX/2013 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537896 RESPA Servicing Disclosure: Servicing Disclosure Statement Missing RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.           Provide missing documentation
95000047 XXX Refinance Rate/Term Primary 4/XX/2013 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549812 SAFE Act - NMLS Info Not in File Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.           Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)
95003350 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6540190 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003350 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540385 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.           Provide missing documentation
95003350 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540386 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003350 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540387 ARM Disclosure Status Unable to determine if loan file contains ARM Disclosure due to missing information.           No Defined Cure
95003350 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540388 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95003350 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540389 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $686,925.23 is underdisclosed from calculated Finance Charge of $720,771.89 in the amount of $33,846.66. Closing instructions indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003350 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540391 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95000315 XXX Purchase Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Miscellaneous Compliance Compliance Open   2 6537561 (Doc Error) Initial GFE not provided              
95000315 XXX Purchase Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   3 6537715 Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.           Provide missing documentation
95000315 XXX Purchase Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537716 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2003.           Provide missing documentation
95000315 XXX Purchase Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537717 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000315 XXX Purchase Primary 5/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537718 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001497 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539804 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.            
95001497 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539808 TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001497 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550285 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001497 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550286 CHARM Booklet Disclosure Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.           No Defined Cure
95001497 XXX Refinance Cash-out - Other Primary 3/XX/2006 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550289 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $1,005,168.22 is underdisclosed from calculated Finance Charge of $1,065,232.79 in the amount of $60,064.57. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004590 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650259 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95004590 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650261 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2007.           Provide missing documentation
95004590 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance State Compliance Compliance Open   2 6650262 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95004590 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2007 MA $XXX Loan Review Complete 05/25/2018 Compliance Federal Compliance Compliance Open   2 6650264 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95000233 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6540177 Missing Document: Missing Final 1003             Provide missing documentation
95000233 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6540582 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95000233 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549700 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
95000233 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549701 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000233 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549702 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000233 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2004 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549703 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003015 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6519904 Missing Document: Missing Final 1003             Provide missing documentation
95003015 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521354 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95003015 XXX Refinance Cash-out - Other Primary 5/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559653 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $412828.9 is underdisclosed from calculated Finance Charge of $465304.78 in the amount of $-52475.88. Approval indicates the index used was 1.996%. The lowest index available within the look-back period is 2.1633%. Truth In Lending Act: Final TIL APR of 5.666% is underdisclosed from calculated APR of 6.02% in the amount of -0.354%. Approval indicates the index used was 1.996%. The lowest index available within the look-back period is 2.1633%.          
95002019 XXX Refinance Rate/Term Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536972 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2007.           Provide missing documentation
95002019 XXX Refinance Rate/Term Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536973 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002019 XXX Refinance Rate/Term Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536974 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002019 XXX Refinance Rate/Term Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6536975 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95002019 XXX Refinance Rate/Term Primary 1/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559605 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $1179237.03 is underdisclosed from calculated Finance Charge of $1208742.32 in the amount of $-29505.29. Approval indicates the index used was 4.65%. The lowest index available within the look-back period is 4.73%.          
95001509 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541934 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95001509 XXX Refinance Cash-out - Debt Consolidation Primary 2/XX/2006 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541935 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $954,060.81 is underdisclosed from calculated Finance Charge of $1,011,601.96 in the amount of $57,541.15. Under-disclosure appears to be due to ARM index. Lowest index within look back period is 3.46%, approval states index is 3.24%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95002220 XXX Refinance Cash-out - Other Investment 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540234 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95002220 XXX Refinance Cash-out - Other Investment 10/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540235 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95001611 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521382 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2006.           Provide missing documentation
95001611 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521514 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001611 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance State Compliance Compliance Open   2 6521699 Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.            
95001611 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521701 TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006.           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001611 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6521702 TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).           TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form
95001611 XXX Refinance Cash-out - Other Primary 4/XX/2006 MA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6559504 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $318802.74 is underdisclosed from calculated Finance Charge of $333630.44 in the amount of $-14827.7. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 6.945% is underdisclosed from calculated APR of 7.156% in the amount of -0.211%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%.          
95003006 XXX Refinance Rate/Term Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6537366 Missing Document: Missing Final 1003             Provide missing documentation
95003006 XXX Refinance Rate/Term Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Closing / Title Credit Open   2 6538652 Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: Homestead Exemption Waiver            
95003006 XXX Refinance Rate/Term Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538954 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.           Provide missing documentation
95003006 XXX Refinance Rate/Term Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538956 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95003006 XXX Refinance Rate/Term Primary 4/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538960 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $338,439.83 is underdisclosed from calculated Finance Charge of $354,449.15 in the amount of $16,009.32. The approval indicates the Index used was 1.836%. The closest Index available within the look back period is 1.99583%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95003006 XXX Refinance Rate/Term Primary 4/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549689 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004850 XXX Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541509 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2007.           Provide missing documentation
95004850 XXX Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541513 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004850 XXX Refinance Cash-out - Other Primary 10/XX/2007 VA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6557174 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $716,233.80 is underdisclosed from calculated Finance Charge of $717,834.83 in the amount of $1,601.03. The loan approval indicates the lender used an index value of 3.06%, the lowest index available in the lookback period is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95004490 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6536627 Missing Document: Missing Final 1003             Provide missing documentation
95004490 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538387 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.           Provide missing documentation
95004490 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6538389 CHARM Booklet Disclosure Prior to Closing Timing TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95004490 XXX Refinance Cash-out - Debt Consolidation Primary 1/XX/2007 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6550009 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.            
95001845 XXX Refinance Cash-out - Other Primary 9/XX/2006 UT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537870 ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.           No Defined Cure
95001845 XXX Refinance Cash-out - Other Primary 9/XX/2006 UT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537871 CHARM Booklet Disclosure Status TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.           No Defined Cure
95001845 XXX Refinance Cash-out - Other Primary 9/XX/2006 UT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537873 TIL APR Tolerance Irregular Transaction Truth In Lending Act: Final TIL APR of 6.99300% is underdisclosed from calculated APR of 7.36038% outside of 0.125% tolerance. Closing instructions indicate the Index used was 2%. The closest Index available in our look-back period is 4.49%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001845 XXX Refinance Cash-out - Other Primary 9/XX/2006 UT $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6537874 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $336,096.00 is underdisclosed from calculated Finance Charge of $370,129.33 in the amount of $34,033.33. Closing instructions indicate the Index used was 2%. The closest Index available in our look-back period is 4.49%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001341 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6540463 Missing Document: Missing Final 1003             Provide missing documentation
95001341 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540713 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.           Provide missing documentation
95001341 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540715 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95001341 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6540720 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $375,829.82 is underdisclosed from calculated Finance Charge of $393,761.42 in the amount of $17,931.60. Approval indicates the lender Index used was 3.06%. The closest Index available in our look-back period is 3.24%.         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95001341 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549976 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95001341 XXX Refinance Cash-out - Debt Consolidation Primary 11/XX/2005 CA $XXX Loan Review Complete 05/18/2018 Compliance Federal Compliance Compliance Open   2 6549977 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95003021 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541621 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.           Provide missing documentation
95003021 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541623 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95003021 XXX Refinance Cash-out - Debt Consolidation Primary 5/XX/2005 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6541629 Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $316,757.60 is underdisclosed from calculated Finance Charge of $331,476.17 in the amount of $14,718.57. An approval states that the lender used an index of 1.996%; the closest index in the look-back period is 2.16333%         TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable
95000606 XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 05/16/2018 Loan Package Documentation Application / Processing Credit Open   2 6520142 Missing Document: Missing Final 1003             Provide missing documentation
95000606 XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520840 Federal FACTA Disclosure Timing Test FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.            
95000606 XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520841 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2004.           Provide missing documentation
95000606 XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520842 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95000606 XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520843 ARM Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000606 XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 05/16/2018 Compliance Federal Compliance Compliance Open   2 6520844 CHARM Booklet Disclosure Timing Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.           No Defined Cure
95000606 XXX Refinance Cash-out - Other Primary 12/XX/2004 PA $XXX Loan Review Complete 05/18/2018 Compliance Miscellaneous Compliance Compliance Open   2 6548268 Miscellaneous Compliance: Non-Material Compliance Exception:   Truth In Lending Act: Final TIL Finance Charge of $299377.07 is underdisclosed from calculated Finance Charge of $305559.35 in the amount of $-6182.28. Approval indicates the index used was 2%. The lowest index available within the look-back period is 2.08%.          
95002522 XXX Refinance Cash-out - Other Primary 1/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Loan Package Documentation Application / Processing Credit Open   2 6537351 Missing Document: Missing Final 1003             Provide missing documentation
95002522 XXX Refinance Cash-out - Other Primary 1/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539768 Missing Initial Loan Application Test No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2003.           Provide missing documentation
95002522 XXX Refinance Cash-out - Other Primary 1/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539769 RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.            
95002522 XXX Refinance Cash-out - Other Primary 1/XX/2004 CA $XXX Loan Review Complete 05/17/2018 Compliance Federal Compliance Compliance Open   2 6539770 ARM Disclosure Prior to Closing Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.